Pricing Supplement dated November 3, 2002                       Rule #424(b)(3)
(To Prospectus dated July 15, 2002)                          File No. 333-90642

                                  ADVANTA CORP.
                          For use only by residents of:
            CA, CO, CT, DE, FL, GA, KS, MA, MD, MN, NJ, NY, OR and PA

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                            ADVANTA INVESTMENT NOTES
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                                                        ANNUAL
               TERM          INTEREST RATE         PERCENTAGE YIELD*
               ----          -------------         -----------------
                                                
             91 days             3.44%                  3.50%
              6 month            4.16%                  4.25%
             12 month            5.35%                  5.50%
             18 month            5.59%                  5.75%
             24 month            6.53%                  6.75%
             30 month            6.67%                  6.90%
             48 month            6.77%                  7.00%
             60 month            7.70%                  8.00%



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                    REDIRESERVE VARIABLE RATE CERTIFICATES**
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                                                                ANNUAL
                TIER                INTEREST RATE         PERCENTAGE YIELD**
                ----                -------------         ------------------
                                                         
         $100 to $4,999                 3.00%                   3.05%
         $5,000 to $24,999              3.45%                   3.51%
         $25,000 to $49,999             3.65%                   3.72%
         $50,000 plus                   3.75%                   3.82%



                            Minimum Investment $5,000

*  The Annual Percentage Yield assumes all interest reinvested daily at the
   stated rate.

** 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%).

                  ADDITIONAL INFORMATION - RECENT DEVELOPMENTS

We file annual, quarterly and special reports, proxy statements and other
information, including information about recent developments, with the SEC. You
may read and copy any document we file at the following public reference room
maintained by the SEC at:

                                 Judiciary Plaza
                             450 Fifth Street, N.W.
                             Washington, D.C. 20549

You may obtain information on the operation of the SEC's public reference room
by calling the SEC at 1-800-SEC-0330. Our SEC filings also are available to the
public from the SEC's Internet website at http://www.sec.gov.

AN OFFER CAN ONLY BE MADE BY THE PROSPECTUS DATED JULY 15, 2002, IN CONJUNCTION
WITH THIS PRICING SUPPLEMENT. SEE "RISK FACTORS" BEGINNING AT PAGE 9 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.

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                           FOR MORE INFORMATION CALL
                                 1-800-223-7074

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