Advanta Life of Balance Platinum Card issued by Advanta
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Advanta Life of Balance Platinum Card, issued by Advanta, is designed for business owners who are looking to consolidate their business expenses onto one credit card and are interested in a cash back rewards program that can be personalized to fit their business needs. The unique feature of this rewards program is that cardholders choose the category in which they will earn up to 6% in cash rebates. The choice of categories includes "gasoline and diesel fuel," "computers, computer supplies, electronics and office supplies," "online advertising services," or "utilities and telecommunications". Cardholders will also earn up to 1% in cash rebates for all other purchases. Rebate checks are issued each time that $50 in rebates are earned, and there is no limit on the amount of rebates that can be earned. However, the rebate percentage earned is based on a sliding scale and the highest available rebate will not be earned on all purchases. Cardholders also have the option to choose the travel rewards program. See the terms and conditions for full details. Besides the rewards program, this card offers a 2.99% fixed APR for the life of balance transfers that are submitted within the first three months of cardmembership. This provides a great option to business owners who want to consolidate their expenses. The card also has no annual fee and a reasonably low interest rate for purchases. It is important to note that the APRs for purchases, balance transfers, and cash advances are tied to the highest Prime Rate during a three-month period. Due to this policy, the APRs may never reach the lowest possible interest rate. This card also offers benefits such as personalized business checks, various Internet account related services, and discounts on various products and services from participating retailers and merchants. Plus, the cardholder's online account reports are compatible with Quicken® and Microsoft Money® software. Therefore, those who will be able to take advantage of the cash back rewards program, the introductory rate for the life of balance transfers, and the various online business tools will benefit most from what the Advanta Life of Balance Platinum Card has to offer. Most Attractive Feature: Reasonably low APR; no annual fee; discounts on various products and services; choice of travel rewards or cash back program. Least Attractive Feature: APRs based on the highest Prime Rate during a 90-day period. Apply Now For Advanta Life of Balance Platinum Card Note: The review of this Advanta card was updated on 05/05/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	2.99% APR for Life of Balance Transfers
Applied Towards:	Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the first three months.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	9.99%
Cash Advance APR:	9.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$19 if balance is less than $250; $39 if balance is $250 or more
Over-the-Limit Fee:	$15 on balances up to $501; $29 on balances of $501 up to $1,001; and $39 on balances over $1,001
Cash Advance Fee:	3%, $5 minimum ($50 maximum on convenience checks)
Balance Transfers:	3%, $5 minimum, $50 maximum (does not apply to introductory offer)

The Rewards Program Highlights
Optional Reward:	No
Rebate Minimum:	.25%
Rebate Maximum:	6%
Additional Rebates:	Cardholders will earn bonus rebates in their choice of one of the following categories: "gasoline and diesel fuel," "computers, computer supplies, electronics and office supplies," "online advertising services," or "utilities and telecommunications." The amount earned is based on the following scale: 6% on up to $500 in purchases; 1% on purchases over $500.
	The amount of rebates earned on all other purchases is based on the following scale: .25% on up to $7,500 in purchases; .50% between $7,500.01 and $20,000; 1% on purchases over $20,000. Rebate checks are automatically issued when the cardholder reaches $50 in earned rebates.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Personalized business design. Personalized business checks. Online statements and management reports. Discounts on products and services at participating merchants and retailers. Compatible with Quicken® and Microsoft Money® software. Access to travel rewards or rebate program. See website for additional benefits. Important Notes Regarding This Offer The APR is based on the highest Prime Rate during a 90-day period. Cardholders can only enroll in either the cash back rebate program or the travel rewards program. The APR for cash advances varies according to the applicant's credit history and will be either 2.24% or 12.24% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.