Visa® Platinum Advantage Points Credit Card

1. Earn rewards when you use your card to make purchases; minus returns, credits, and adjustments (“Net Purchases”). The following transactions are not considered Net Purchases and will not earn rewards: balance transfers and cash advances (each as defined in your Credit Card Agreement), fees, interest charges, and fraudulent transactions. Up to 3% back on aggregate purchases up to $1,500 monthly in select categories made on/between October 1, 2022-December 31, 2024. 3% back on qualifying dining and restaurant delivery transactions; must have required merchant code signifying the transaction for purchases for dining transactions (merchant codes 5812, 5813, and 5814). Purchases that exceed $1,500 monthly in promotional categories will earn the standard 1% back. A maximum of 10,000 points per month may be earned. 2% back on qualifying gas and grocery transactions; must have required merchant code signifying the transaction for purchases for gas and grocery transactions (merchant codes for gas: 5541 and 5542; merchant codes for grocery: 5411 and 5300). 1% back (equal to $0.01) for every $1 of Net Purchases charged to the card each billing cycle for accounts in good standing. Transactions with other establishments do not apply and we do not control how merchants are categorized. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for bonus rewards offers. The minimum cash reward redemption in a single transaction is $50.00 and the maximum is $800.00. Rewards expire three (3) years from the time they are earned. Allow up to two (2) billing cycles for bonus rewards to post to account.
2. 20,000 bonus points valid only on Visa(R) Platinum Advantage Points Credit Card. Not valid on Visa(R) Business, Fixed Rate, and Variable Rate Credit Cards, card reissues, or multiple cardholders. Must meet all qualifications in initial sixty (60) days following date of card issuance to receive credit of 20,000 points: 1) aggregate purchases of at least $2,000, and 2) aggregate purchases must be made within the first sixty (60) days of card issuance; credits or returns to card within this timeframe will be deducted from aggregate amount. Cash advances and balance transfers don’t apply. Points will be applied to member’s point balance within 45 days of meeting stated qualifications.
3. Bonus points will be credited to eligible accounts within 45 days of qualifying activity. Offer valid for current Visa® Advantage Points Credit Card cardholders who log in to the Amplifi Rewards platform on or before 12/31/24. New cardholders must log in to the Amplifi Rewards platform within 90 days of card account opening to earn 500 bonus points. Bonus points are subject to the terms and conditions of the Amplifi Rewards program. Offers may be modified or withdrawn at any time. Other restrictions may apply.
4. TWO WAYS TO ENTER: Purchase Entry Method: An Advia CU member, who is the primary cardholder on their account, will receive one (1) automatic Sweepstakes entry, up to a maximum of three (3) entries each week, when they make an eligible purchase at any verified merchant with a valid Advia Credit Union Visa® Debit Card or Visa® Advantage Points or Fixed Rate Credit Card during the Sweepstakes Entry Period. Purchases made using other types of Advia CU Credit Cards are not eligible. There will be two specific days where an Entry Multiplier will be offered (Friday, November 29, 2024, and Monday, December 2, 2024), where each qualifying purchase made only on those specific days will count as two (2) entries. In all cases, including those weeks in which double entries are provided, qualifying entries will be limited to three (3) per week. Entries from unauthorized card use or purchases made on cards that are lost, stolen, or fraudulent credit or debit cards are void. A purchase, payment or transaction will not improve the chances of winning the prize. No Purchase Entry Method: No purchase, payment, obligation, or card usage of any kind, necessary to enter or win. Limit of three (3) mail-in entries per person per week. Non-purchase entries and purchase entries have an equal chance of winning. Sweepstakes entries are limited to no more than a combination of three (3) per week regardless of entry method used throughout the Sweepstakes Entry Period. Prize awarded as one-time (1) deposit into Advia Credit Union Share Savings Account. Ends December 31, 2024. Void outside of IL, MI & WI. Open to Advia Credit Union members in good standing who are legal residents of IL, MI & WI who are 18+ as of October 1, 2024. Void where prohibited. See Official Rules for complete details, retailer restrictions, and how to enter without making a purchase.

Must be 18 or older to apply. All offers and rates are subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.