Before applying, please be sure to have the following identification and information ready:
- Valid, unexpired U.S. government (Federal or State) issued photo ID
- We will request that you upload a clear image of this during the application process
- Social Security Number
- Physical Address
- Email Address & Phone Number
- Employment & Income Information
- Invoice/Reference Number provided by your merchant (optional)
NOTE: You must be 18 or over and a U.S. citizen or permanent resident alien to apply online.
IMPORTANT INFORMATION ABOUT YOUR FINANCING REQUEST
Advancial membership is required to receive financing. You do not need to be a member first to apply. If your financing application is approved, we will create your membership account at the same time.
IMPORTANT CREDIT CARD DISCLOSURES
| |
Visa Rewards Plus |
| Annual Percentage Rate (APR) for Purchases |
0.00% for twelve billing cycles from the date of account opening. After that, your APR will be 8.90% to 14.90% based on your creditworthiness. |
| APR for Balance Transfers |
0.00% for the first twelve months of each balance transfer. After that, your APR will be 8.90% to 14.90% based on your creditworthiness. |
| APR for Cash Advances |
8.90% to 14.90% based on your creditworthiness. |
| Penalty APR and When It Applies |
Not Applicable |
| Paying Interest |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tip from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau |
| Fees |
|
| Annual Fee |
None |
Transaction Fees
-Cash Advance
-Balance Transfer
-Foreign Transaction |
None
None
None |
Penalty Fees
-Late Payment
-Returned Payment |
Up to $25
Up to $25 |
1After the introductory period, your APR will be 8.90% - 14.90% based on creditworthiness.
View Cardholder Agreement (PDF)
View Rates and Fees (PDF)
View Advancial Rewards Terms and Conditions (PDF)