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Pricing Supplement No. 22 dated October 10, 1997                  Rule 424(b)(3)
(To Prospectus dated July  8, 1996 and                        File No. 333-05701
Prospectus Supplement dated August 7, 1997)


                                 ADVANTA CORP.
                    VALUE NOTES (SM), SERIES A - FIXED RATE

==============================================================================
Cusip No.: 00757GAX7                                  Interest Rate: 7.00%
Aggregate Principal Amount: $181,000.00               Maturity Date:  10/15/99
Total Agents' Discount or Commission: $1,357.50       Issue Date:  10/15/97
Net Proceeds to Issuer:  $179,642.50                  Trade Date:  10/10/97
==============================================================================



- --------------------------------------------------------------------------------------------------
                                                               Agent's Discount      Net Proceeds
              Name of Agent                Principal Amount     or Commission          to Issuer
- --------------------------------------------------------------------------------------------------
                                                                             
 Legg Mason Wood Walker, Incorporated           $ 43,000.00       $332.50             $  42,677.50
- --------------------------------------------------------------------------------------------------
 Sage Rutty & Co.                               $ 18,000.00       $135.00             $  17,865.00
- --------------------------------------------------------------------------------------------------
 Dain Bosworth, Inc.                            $120,000.00       $900.00             $ 119,100.00
- --------------------------------------------------------------------------------------------------


Interest Payment Dates:  November 15, 1997 and the 15th day of each succeeding
                         calendar month thereafter through and including
                         September 15, 1999 and on the Maturity Date.

Day Count Convention:

         [X]     30/360 for the period from 10/15/97 to 10/14/99.

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.

Form:    [X]     Book Entry

Agent acting in the capacity as indicated below:

         [X]     Agent                                      [ ]     Principal

If as Principal:

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

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

If as Agent:

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





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[X]      Other Provisions:      Agent:  Dain Bosworth, Inc.


[ ]      PaineWebber Incorporated

                 [X]      Legg Mason Wood Walker, Incorporated

                                                        [X]     Sage Rutty & Co.