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    Visa® Rewards Plus

    Transfer your balance and save!

    Not a Member? Apply Now! Transfer my Balance

    Everything You Want in One Card
    0% APR for 6 Months

    0% intro APR for the first 6 months on all purchases1

    Low APR of 9.90% - 16.90% based on creditworthiness

    Unlimited 1.5% Rewards On All Spending

    Unlimited rewards up to 1.5% on all purchases2

    No Annual Fee

    No annual fee

    No Over-Limit Fee

    No over-limit fee

    No Foreign Transaction Fee

    No foreign transaction fee

    What Our Members Say About Advancial
    Leslie W.
    "Short and easy application process and quick response."
    Pete W.
    "It’s the personal service that makes me stay with you for the last 24 years!!"
    Troy M.
    "Great customer service from the representative who called me back. Friendly, courteous, knowledgeable, and helpful. No reading from a script! I was so impressed. She spoke directly to whatever questions I had."
    Apply Now and Bank Better Today!

    Tools & Resources

    Credit Card and Debt Calculators

    Credit cards and loans are great tools if used properly, but it's easy for debt to feel overwhelming. Use our calculators to help make sure you stay on top of your spending and keep your budget on track.
    • Are credit card balance transfers worth it?
    • How long will it take to pay off my credit card?
    • How much will my monthly loan payment be?
    • Meet a debt payoff goal
    • Should I consolidate my personal debt into a new loan?
    • Use a lump sum to pay down debt
    Do the Math
    person about to transfer their credit card balance to Visa Rewards Plus with Advancial

    No Balance Transfer Fee

    Take advantage of our 5.90% APR for the first 6 months and no balance transfer fee with our introductory balance transfer offer. After that 6-month intro period, your rate will only be 9.90%-16.90% based on creditworthiness.1


    Not a Member? Apply Now!

    Transfer My Balance

    Credit Card Balance Transfer Terms and Conditions: The one-time introductory balance transfer offer is available for a single balance transfer request and expires ninety (90) days after the Account opening date. Multiple balances from other non-Advancial Federal Credit Union accounts may be combined into one 5.90% balance transfer request, provided the transfers are requested at the same time. Any portion of a 5.90% balance transfer not paid in full within six (6) months of the transfer date will thereafter be subject to the Standard Rate.

    Frequently Asked Questions about Visa Rewards Plus
    When on the Accounts Summary page in cuAnywhere® Online Banking, click on the credit card you’d like to check under the Credit Cards section.
    If you are a current member and already have a Visa Rewards Plus credit card, you can transfer your balance through cuAnywhere® Online Banking or the Advancial Mobile App.
     
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select the credit card in which you’d like to transfer your balance
    3. Select Account Actions
    4. Click on the Balance Transfer icon
    You can initiate a balance transfer through cuAnywhere Online Banking by going to Card Management > Balance Transfer.

    You can also fill out a balance transfer form at your local branch or by calling our Member Service Center at 800.322.2709.
     
    You’ll earn unlimited reward points every time you use your Advancial debit or credit card.

    Our Visa debit card earns rewards at a rate of one point for every $5 spent.

    Credit card rewards are earned at a rate of one point for every $1 spent when you spend less than $2,500 during your billing cycle. When you spend $2,500+ on your credit card during your billing cycle, you’ll earn 1.5 points for every $1 spent on all purchases during that billing cycle.
     
    Yes, you must complete 12 point earning activities each calendar year to be considered active to maintain your status and keep your points.
    Yes, your points are automatically combined so you can earn rewards even faster.  
    If you’ve lost your card or believe it has been stolen, lock your card in cuAnywhere® Online Banking or the Advancial Mobile App immediately. You can also contact our Member Service Center at 800.322.2709 and speak with a Member Service Representative who will be able to lock your card and order you a new one.

    To lock your card in cuAnywhere or the Advancial Mobile App, follow these steps:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Controls
    3. Select or add the card in which you’d like to lock
    4. For cuAnywhere, click Lock or Unlock the card
    5. For the Advancial Mobile App, click the icon so that it shows Locked
    6. If you find your card, simply use the same steps to unlock it and begin using it again
    If you know your card has been stolen, follow these steps:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click Block Lost/Stolen Card
    4. For the Advancial Mobile App, click Card Blocking
    5. Select the card in which you’d like to block and click Block or Submit
    Yes, we offer a Secured Visa® credit card that allows you to improve your credit history responsibly.  
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click PIN Management
    4. Select the card in which you’d like to change your PIN and click Continue
    5. Enter your new PIN and click Save
    6. For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above

    You can also contact our Member Service Center at 800.322.2709, or 1+ 214.880.0141 for international calling, and say “change my credit card PIN”. Please have your card available.
     
    You can view your balance through cuAnywhere® Online Banking or the Advancial Mobile App by clicking one of the account names to open the Account Details section.

    Knowledge Center

    Credit Scores 101
    Three simple digits. That’s all it takes to capture the quality of your credit history. It seems simple, but credit scores are an important tool that lenders use for virtually all loan and credit applications. Those three digits help lenders determine if they can trust you to repay a loan fully and on time.
    January 18, 2023

    Understanding Wire Transfers: A Comprehensive Guide for Adults 
    Wire transfers are a powerful tool for moving money quickly and securely across the globe. Understanding how they work, the costs involved, and best practices for their use can help you make the most of this service with Advancial.
    August 09, 2024

    Protecting Your Online Presence
    In today's interconnected world, where digital transactions and online banking have become the norm, it is crucial to prioritize the security of your financial information. With cyber threats lurking at every corner of the internet, protecting your personal and financial data has become more important than ever.
    July 09, 2023

    The Four P’s of Common Scam Signals
    Hackers often try to take advantage of unsuspecting people by posing as their financial institution, referred to as spoofing. They often use common communication methods, such as phone calls, email or text messages.
    November 10, 2023
    1 After the 6-month intro period, your APR will be 9.90%-16.90% based on creditworthiness. APR=Annual Percentage Rate.
    2 Earn unlimited 1% rewards on all purchases up to $2,500 and unlimited 1.5% rewards on all purchases when you spend $2,500+ in one statement cycle.
    View Cardholder Agreement (PDF)
    View Rates and Fees (PDF)
    View Advancial Rewards Terms and Conditions (PDF)
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