ADVANTA CORP
424B3, 1997-02-06
PERSONAL CREDIT INSTITUTIONS
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Pricing Supplement dated February 5, 1997                    Rule 424(b)(3)
(To Prospectus dated July  8, 1996 and                       File No. 333-05701
Prospectus Supplement dated October 30, 1996)

                                  ADVANTA CORP.
                    MEDIUM-TERM NOTES, SERIES D - FIXED RATE
<TABLE>
<S>                                                                    <C>
==========================================================================================================
Principal Amount:  $22,000,000                                         Interest Rate: 6.54%
Agent's Discount or Commission:  $66,000                               Stated Maturity Date:  02/10/2000
Net Proceeds to Issuer:  $21,934,000                                   Original Issue Date:  02/10/97
Issue Price: 100%                                                      Trade Date:  02/05/97
==========================================================================================================
Interest Payment Dates:   August 10, 1997 and the                      Cusip No.:  00756QDV7
                          10th day of each February
                          and August thereafter
</TABLE>

Day Count Convention:

         [X]      30/360 for the period from 02/10/97  to 02/09/2000

         [ ]      Actual/360 for the period from     to

         [ ]      Actual/Actual for the period from  to

Redemption:

         [X]      The Notes cannot be redeemed prior to the Stated Maturity 
                  Date.

         [ ]      The Notes may be redeemed prior to the Stated Maturity Date.
                  Initial Redemption Date:
                  Initial Redemption Percentage:
                  Annual Redemption Percentage Reduction: ____% until Redemption
                  Percentage is 100% of the principal amount.

Optional Repayment:

         [X]      The Notes cannot be repaid prior to the Stated Maturity Date.

         [ ]      The Notes can be repaid prior to the Stated Maturity Date at
                  the option of the holder of the Notes.
                  Option Repayment Dates:
                  Repayment Price: ____%

Currency:

         Specified Currency:  United States Dollars
           (If other than U.S. dollars, see attached)
         Minimum Denominations:
           (Applicable only if Specified Currency is other than U.S. dollars)
         Original Issue Discount:

                           [ ]      Yes     [X]      No

         Total Amount of OID:
         Yield to Maturity:
         Initial Accrual Period:


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Form:

         [X]      Book Entry                            [ ]     Certificated

Agent acting in the capacity as indicated below:

         [ ]      Agent                                 [X]     Principal

If as Principal:

         [ ]      The Notes are being offered at varying prices related to 
                  prevailing market prices at the time of resale.

         [X]      The Notes are being offered at a fixed initial public offering
                  price of 100% of principal amount.

If as Agent:

        The Notes are being offered at a fixed initial public offering price of
        100% of principal amount.

[ ]     Other Provisions:

         [ ]  Salomon Brothers Inc

                [X]   Bear, Stearns & Co. Inc.

                         [ ]  CS First Boston

                                 [ ] Donaldson, Lufkin & Jenrette
                                        Securities Corporation

                                                    [ ] Merrill Lynch & Co.




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