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Worried about high interest rates?

Not with Visa® Rewards Plus!

Want to see how much you can save in interest?

Visa® Rewards Plus was designed to help you save, so once approved, you'll go an entire year without paying interest on any purchase. After that 12-month intro period, your APR will only be 8.90%-14.90% based on creditworthiness.
0% APR for 12 Months
0% intro APR for the first 12 months1
No Annual Fee
No annual fee
Unlimited 1.5% Rewards On All Spending
Unlimited rewards up to 1.5% on all purchases2
No balance transfer fee

We're the best - and we have the numbers to prove it

Visa Rewards Plus1National average credit card APR3
8.90%
27.92%

Apply today to see how much you can save with Visa Rewards Plus!

More ways we set ourselves apart

Enjoy the experience of fewer fees with your lower rate!

No Foreign Transaction Fee
No foreign transaction fee
No Over-Limit Fee
No over-limit fee
No cash advance fee
No penalty rate

Banking Designed for You

FAQs

In most cases, a Member Service Representative will contact you within 24 hours or the first business day after your application is submitted. You may also call us at 800.322.2709 to expedite your application process.   
Yes, we offer a Savings Secured Visa® credit card that allows you to improve your credit history responsibly.  
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.
  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.
 
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
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.
 
Once you have opened a savings account, you will have access to cuAnywhere® Online Banking. Here, you can open or apply for other accounts and products.
Visit joinadvancial.org to get started. Applying for membership online is fast, easy and secure. The process only takes about 10 minutes.

You’ll need a state issued ID and a credit or debit card to fund the membership savings account. We only require a $5 initial deposit.

Please note: You must be a U.S. citizen or permanent resident alien and at least 18 years of age to apply online.
You can apply online, by mail or at your local Advancial branch.
All employees of Advancial's select employer groups and their subsidiaries are eligible to join Advancial. This benefit is also open to their immediate family members. Additionally, you are eligible to join if you live, work, worship or attend school in one of these eight Louisiana parishes: Acadia, Avoyelles, Evangeline, Iberia, Lafayette, St. Landry, St. Martin or Vermillion. More information on how to apply for membership can be found here.
Yes, you must have at least one qualifying activity on your account every 12 months to maintain your status and keep your points.
Visit Advancial Rewards to see all of the exciting ways in which you can redeem your reward points. Your options include cash back, gift cards, travel, merchandise and so much more!

Plus, you can get even more out of your points when you shop at local and national merchants through Ampre Rewards in the form of cash back on purchases and even up to 20 points for every $1 you spend!
 
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.
  • Log in to online banking
  • Click the account name for either your Ultimate Checking account or Visa Rewards Plus Card
  • Click the Plus sign next to Reward Points Available
  • Select Visit Redemption Site
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 or make less than 25 purchases during your billing cycle. When you make 25 or more purchases or 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.
 
  • Visit advancialrewards.org to register
  • Select “register” in the top right-hand corner
  • Follow the instructions to create your account
Yes, your points are automatically combined so you can earn rewards even faster.  
1 After the 12-month intro period, your APR will be 8.90%-14.90% 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+ or make 25+ purchases in one statement cycle.
3 Based on the national average credit card APR from forbes.com as of 3.1.2024.
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