Pricing Supplement dated January 25, 2004                        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, PA and UT

                            Advanta Investment Notes



                                                                 ANNUAL
           TERM                     INTEREST RATE          PERCENTAGE YIELD *
           ----                     -------------          ------------------
                                                     
           91 day                       0.75%                     0.75%
           6 month                      1.00%                     1.01%
           12 month                     1.59%                     1.60%
           18 month                     1.83%                     1.85%
           24 month                     2.47%                     2.50%
           30 month                     3.44%                     3.50%
           36 month                     4.64%                     4.75%
           48 month                     5.59%                     5.75%
           60 month                     6.53%                     6.75%


                            Minimum Investment $5,000

                    RediReserve Variable Rate Certificates**



                                                            ANNUAL
       TIER                 INTEREST RATE             PERCENTAGE YIELD**
       ----                 -------------             ------------------
                                                
  $100 to $4,999               1.00%                        1.01%
  $5,000 to $24,999            1.05%                        1.06%
  $25,000 to $49,999           1.10%                        1.11%
  $50,000 plus                 1.15%                        1.16%


                            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.

                                              
    For More Information Call                    Utah Residents, Please Call
         1-800-223-7074                                1-800-259-5862