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APR = Annual Percentage Rate. Rates are based on your creditworthiness when you open your account. After that, your APR will vary with the market, based on changes in the Prime Rate.

The standard variable APR for purchases and cash advances ranges from WSJ PRime+3.49% to 18.00% based on your creditworthiness and the card selected. Fee for foreign purchases - 1% of the U.S. dollar amount of each purchase. Cash advance fee - $1.00. Subject to credit approval. Additional limitations, terms, and conditions apply. You will be given further information when you apply.

Visa's Zero Liability Policy covers U.S.-issued credit cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. Members must notify Advantage Financial immediately of any unauthorized use. Visit for more details.

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