<PAGE> 1
Pricing Supplement dated January 23, 2000 Rule #424(b)(3)
(To Prospectus dated May 3, 1999) File No. 333-74575
[Advanta Logo]
For use only by residents of:
CA, CO, CT, DE, FL, GA, KS, MA, MD, MN, NJ, NY, OR and PA
ADVANTA INVESTMENT NOTES
<TABLE>
<CAPTION>
Annual
Percentage
Term Interest Rate Yield*
---- ------------- ------
<S> <C> <C>
3 month 7.05% 7.30%
6 month 8.62% 9.00%
12 month 9.21% 9.65%
18 month 9.35% 9.80%
24 month 9.53% 10.00%
30 month 9.58% 10.05%
48 month 9.62% 10.10%
60 month 9.76% 10.25%
</TABLE>
REDIRESERVE VARIABLE RATE CERTIFICATES**
<TABLE>
<CAPTION>
Annual
Percentage
Tier Interest Rate Yield*
---- ------------- ------
<S> <C> <C>
$100 to $4,999 4.75% 4.86%
$5,000 to $24,999 7.50% 7.79%
$25,000 to $49,999 7.75% 8.06%
$50,000 plus 8.00% 8.33%
</TABLE>
Minimum Investment $5,000
AN OFFER CAN ONLY BE MADE BY THE PROSPECTUS DATED MAY 3, 1999, IN CONJUNCTION
WITH THIS PRICING SUPPLEMENT. SEE "RISK FACTORS" BEGINNING AT PAGE 6 OF THE
PROSPECTUS FOR A DISCUSSION OF CERTAIN FACTORS WHICH SHOULD BE CONSIDERED IN
CONNECTION WITH AN INVESTMENT IN THE NOTES AND REDIRESERVE CERTIFICATES. THE
NOTES AND REDIRESERVE CERTIFICATES REPRESENT OBLIGATIONS OF ADVANTA CORP. AND
ARE NOT INSURED OR GUARANTEED BY THE FDIC OR ANY GOVERNMENTAL OR PRIVATE ENTITY.
* The Annual Percentage Yield assumes all interest reinvested daily at the
stated rate.
** The interest rate we pay on any particular RediReserve Certificate depends on
the tier into which the holder's end-of- the-day balance falls. We will not pay
interest on a RediReserve Certificate for any day on which the end-of-the-day
balance is less than $100. Interest rates and annual percentage yields for each
tier may change from week to week and will apply to outstanding RediReserve
Certificates. We currently set the interest rates each Sunday and they are
effective through Saturday. Interest rates for each one week period, currently
commencing on Sunday, will be at least equal to the rate on the thirteen week
U.S. Treasury Bill auctioned on the immediately preceding Monday less one
percent (1%).
FOR MORE INFORMATION CALL
1-800-223-7074
