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Enjoy the benefit of spending, and carry a balance with confidence knowing you have the lowest interest rates available.

Key Features

  • Lowest Rates
  • Anytime Funds
  • No Annual Fees

Your best choice for those large dollar items where you need a little more time to pay them off.  Things like car repairs or a new appliance. The lower interest rate gives you the benefit of lower finance charges, and the ability to pay your balance off faster.  And don’t forget, there’s no annual fee. That all adds up more money you won’t spend on interest and fees, giving you more options to spend — or save — your money how you want.

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APR = Annual Percentage Rate.  The standard variable APR for purchases and cash advances ranges from WSJ Prime plus 3.49% to WSJ Prime +12.49%. Maximum APR is 18%. 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. 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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