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Pricing Supplement dated May 21, 2000 Rule #424(b)(3)
(To Prospectus dated April 6, 2000) File No. 333-33136
[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
PRINCIPAL AMOUNT PRINCIPAL AMOUNT
$5,000 - $49,999 $50,000 PLUS
Annual Annual
Percentage Percentage
Term Interest Rate Yield* Interest Rate Yield*
---- ------------- ------ ------------- ------
91 days 8.16% 8.50% 8.16% 8.50%
6 month 9.53% 10.00% 9.76% 10.25%
12 month 10.12% 10.65% 10.35% 10.90%
18 month 10.35% 10.90% 10.57% 11.15%
24 month 10.57% 11.15% 10.80% 11.40%
30 month 10.62% 11.20% 10.84% 11.45%
48 month 10.66% 11.25% 10.89% 11.50%
60 month 10.71% 11.30% 10.93% 11.55%
REDIRESERVE VARIABLE RATE CERTIFICATES**
Annual
Percentage
Tier Interest Rate Yield*
---- ------------- ------
$100 to $4,999 5.25% 5.39%
$5,000 to $24,999 8.25% 8.60%
$25,000 to $49,999 8.50% 8.87%
$50,000 plus 8.75% 9.14%
Minimum Investment $5,000
AN OFFER CAN ONLY BE MADE BY THE PROSPECTUS DATED APRIL 6, 2000, IN CONJUNCTION
WITH THIS PRICING SUPPLEMENT. SEE "RISK FACTORS" BEGINNING AT PAGE 7 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
