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Credit Cards

No Annual Fee Credit Cards

Low Rates. Real Rewards. Small Credit Building.

Your credit card should work for you, not cost you more than it gives back. At Advanz Credit
Union, we offer a simple lineup of no annual fee Mastercard® credit cards, each designed for a
specific goal: saving on interest, earning rewards, or building credit. Choose the card that fits
where you are, and where you’re headed.


Which Credit Card Is Right for You?

  • Carry a balance or want a low rate? → Platinum Mastercard®
  • Use your card daily and want rewards? → Rewards Mastercard®
  • New to credit or rebuilding? → Secured Mastercard®

 

Platinum Mastercard®

If you want to minimize interest and keep borrowing affordable, the Platinum Mastercard® is your go-to option.

  • Low, competitive APR to help you save on interest
  • No annual fee—ever
  • Promotional balance transfer options available
  • Credit limits up to $25,000 for qualified members

This card is ideal if you occasionally carry a balance or need financing for larger purchases without high interest costs.

Apply Now   View Rates

Rewards Mastercard®

Turn your daily purchases into points with the Advanz Rewards Mastercard®. You earn 1 point for every dollar spent, with no annual fee cutting into your rewards.

  • Promo introductory balance transfer rate**
    • rates as low as 0.00% APR for 6 months
    • rate applies for 6 months to transferred balances only
    • fee of 1.5% of the transferred balances
  • Earn points on every purchase
  • No annual fee
  • Redeem points through MemberRewards for:
    • Travel
    • Merchandise
    • Gift cards
    • Charitable donations
  • Credit limits up to $25,000 for qualified members
  • Promotional balance transfer options available

This card is perfect for members who pay attention to where their money goes—and like getting something back.

**APR=Annual Percentage Rate. Rate determined by credit score. Offer available to new and existing cardholders. Offer not available for Share Secured Cards. A fee of 1.50% of the transferred balances will be charged. Restrictions may apply. Contact the Credit Union for full details.
 

Apply Now   View Rates   Browse Rewards

Secured Mastercard®

Whether you’re just starting out or working toward a fresh financial chapter, the Secured Mastercard® helps you move forward responsibly.

  • Security deposit sets your credit limit ($500–$5,000)
  • Payment activity reported to major credit bureaus
  • Competitive rate compared to other secured cards
  • No annual fee
  • We offer tools and guidance (link to financial wellness center) to help you understand your credit and move forward

This card is designed as a stepping stone, many members use it to establish positive credit history and eventually qualify for unsecured cards.

Apply Now   View Rates

Easy Card Management & Built-In Security

No matter which card you choose, all Advanz credit cards include tools to help you stay in control.

 

  • Mobile Wallets & Digital Payments

Add your Advanz credit card to Apple Pay®, Google Pay™, or Samsung Pay™ for fast, secure purchases.

 

  • CardNav® app lets you:
    • Turn your card on or off instantly
    • Set spending limits
    • Control where and how your card is used
    • Optional Debt Protection can help cover payments during unexpected events like illness, disability, or job loss.

Make Payments Easier
Pair your credit card with an Advanz Checking Account for fast payments, real-time tracking, and seamless CardNav integration.

Download on the App Store    Get it on Google Play

Please note: To see your most up-to-date balances in CardNav, refresh the app or log back in. 


Lost or Stolen Credit Card
If your credit card is lost or stolen day or night, call 502-429-4955 and press option 3 then option 3.

*Your rate can be higher or lower depending on credit performance at the time of official credit card loan application and upon the annual review. Credit Card rates are variable and subject to change. Certain restrictions apply. Contact the Credit Union for full details.
 

 

Ready to Choose Your Credit Card? 

Applying is quick, secure, and straightforward.

Found the credit card that matches your financial goals?  APPLY NOW and start using it with confidence!

Have Higher-Interest Debt Elsewhere?
A personal loan may help consolidate balances into one predictable payment.

Applying is quick, secure, and straightforward.

Found the credit card that matches your financial goals?  APPLY NOW and start using it with confidence!

Have Higher-Interest Debt Elsewhere?
A personal loan may help consolidate balances into one predictable payment.