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Advancial Visa Rewards Plus Review: Maximizing Your Rewards Potential
What Is the Advancial Visa Rewards Plus?
The Advancial Visa Rewards Plus is a credit card offered by Advancial Federal Credit Union, designed to provide cardholders with attractive rewards on their everyday purchases. This card stands out for its unlimited 1.5% rewards on all purchases, making it a competitive option in the rewards credit card market. With features like a 0% intro APR on balance transfers and no annual fee, the Advancial Visa Rewards Plus aims to offer value to members of the credit union.
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Advancial Visa Rewards Plus Pros & Cons
Pros:
- Unlimited 1.5% rewards on all purchases
- No annual fee
- 0% intro APR on balance transfers for 12 months
- No foreign transaction fees
- Access to CUAnywhere online banking and Advancial mobile app
Cons:
- Requires Advancial Federal Credit Union membership
- Balance transfer fee applies
- APR can be high based on creditworthiness
- Limited additional perks compared to premium rewards cards
Who Is the Advancial Visa Rewards Plus For?
The Advancial Visa Rewards Plus is ideal for:
- Advancial Federal Credit Union members seeking a rewards credit card
- Individuals who want a straightforward rewards structure without category restrictions
- Those looking to transfer a balance and take advantage of the intro APR offer
- Frequent travelers who can benefit from no foreign transaction fees
- Users who prefer credit union banking over traditional banks
This card is particularly suited for people who value simplicity in their rewards program and want to earn on all their purchases without worrying about rotating categories or spending caps.
Comparing the Advancial Visa Rewards Plus With Other Credit Cards
When considering the Advancial Visa Rewards Plus, it's helpful to compare it with other popular options in the credit builder card category:
Chime Credit Builder Secured Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Credit Builder account
- Key features: No credit check to apply, reports to all three major credit bureaus
- Standout feature: No minimum security deposit required
Capital One Quicksilver Secured Cash Rewards Credit Card (rate & fees):
- Annual fee: $0
- Security deposit: Minimum $200, which becomes your credit limit
- Key features: 1.5% cash back on all purchases, automatic credit line reviews
- Standout feature: Earn rewards while building credit
Current Build Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Build account
- Key features: No credit check required, reports to all three major credit bureaus
- Standout feature: Linked to Current banking app for easy fund transfers
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Advancial Visa Rewards Plus excels in providing unlimited 1.5% rewards on all purchases
- Chime Credit Builder offers flexibility with no minimum deposit
- Capital One Quicksilver Secured provides cash back rewards
- Current Build integrates with banking app for convenient use
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Consider Using Kudos
While the Advancial Visa Rewards Plus offers solid rewards, savvy cardholders might want to maximize their earnings even further. This is where Kudos comes in. Kudos is a free AI-powered browser extension that helps you get the most out of your credit cards when shopping online.
With Kudos, you can:
- Receive personalized credit card recommendations for each purchase
- Access rewards from over 15,000 stores
- Multiply your rewards up to 5X during exclusive "Flash Boost" events
- Discover new cards that align with your spending habits
By using Kudos alongside your Advancial Visa Rewards Plus, you can ensure you're always using the best card for each purchase, potentially earning even more rewards than the base 1.5% offered by the card.
Our Expert Takeaway
The Advancial Visa Rewards Plus is a solid choice for credit union members seeking a straightforward rewards card. Its unlimited 1.5% rewards on all purchases, coupled with no annual fee and a 0% intro APR on balance transfers, make it an attractive option for everyday spenders.
However, to truly maximize your rewards potential, consider pairing this card with the Kudos browser extension. Kudos can help you navigate the complex world of credit card rewards, ensuring you're always using the right card at the right time. This combination could significantly boost your overall rewards earnings.
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. They're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
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Advancial Visa Rewards Plus FAQ
What is the APR for the Advancial Visa Rewards Plus?
The APR ranges from 9.90% to 16.90% based on creditworthiness. After the 12-month intro period for balance transfers, the standard APR applies.
How can I initiate a balance transfer?
You can initiate a balance transfer through CUAnywhere online banking or by calling the member service center at 800-322-2709.
Is there a balance transfer fee?
Yes, there is a balance transfer fee. Check with Advancial for the current fee percentage.
How can I redeem my rewards?
Rewards can be redeemed through the CUAnywhere online banking platform or the Advancial mobile app.
Does this card have foreign transaction fees?
No, the Advancial Visa Rewards Plus does not charge foreign transaction fees, making it suitable for international use.
How do I check my credit limit?
You can view your credit limit by logging into CUAnywhere online banking or contacting the member service center.
Can I manage my card through a mobile app?
Yes, Advancial offers a mobile app where you can manage your account, view transactions, and redeem rewards.
By leveraging the Advancial Visa Rewards Plus card's features and potentially pairing it with tools like Kudos, you can create a robust strategy for maximizing your credit card rewards. Remember to always use credit responsibly and pay your balance in full each billing cycle to avoid interest charges.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
