Who Is the Advancial Visa Rewards Plus For?

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The Advancial Visa Rewards Plus is ideal for:

1. Advancial Federal Credit Union members seeking a rewards credit card
2. Individuals who want a straightforward rewards structure without category restrictions
3. Those looking to transfer a balance and take advantage of the intro APR offer
4. Frequent travelers who can benefit from no foreign transaction fees
5. Users who prefer credit union banking over traditional banks

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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

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When considering the Advancial Visa Rewards Plus, it's helpful to compare it with other popular options in the credit builder card category:

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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.

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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

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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.

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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

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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.

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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.

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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

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What is the APR for the Advancial Visa Rewards Plus?

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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.

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How can I initiate a balance transfer?

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You can initiate a balance transfer through CUAnywhere online banking or by calling the member service center at 800-322-2709.

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Is there a balance transfer fee?

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Yes, there is a balance transfer fee. Check with Advancial for the current fee percentage.

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How can I redeem my rewards?

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Rewards can be redeemed through the CUAnywhere online banking platform or the Advancial mobile app.

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Does this card have foreign transaction fees?

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No, the Advancial Visa Rewards Plus does not charge foreign transaction fees, making it suitable for international use.

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How do I check my credit limit?

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You can view your credit limit by logging into CUAnywhere online banking or contacting the member service center.

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Can I manage my card through a mobile app?

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Yes, Advancial offers a mobile app where you can manage your account, view transactions, and redeem rewards.

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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.