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Pricing Supplement dated November 21, 1999                      Rule #424(b)(3)
(To Prospectus dated May 3, 1999)                            File No. 333-74575


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


                            ADVANTA INVESTMENT NOTES



                                                   Annual
                                                 Percentage
                   Term         Interest Rate     Yield**
                   ----         -------------     -------
                                        
                  3 month           6.77%          7.00%
                  6 month           8.30%          8.65%*
                 12 month           8.94%          9.35%*
                 18 month           9.08%          9.50%
                 24 month           9.26%          9.70%*
                 30 month           9.31%          9.76%
                 48 month           9.35%          9.80%
                 60 month           9.53%         10.00%


* Does not include Additional Interest (as defined in the Prospectus dated
May 3, 1999) of .50% Annual Percentage Yield on the 6, 12 and 24 month
Advanta Investment Notes that is being offered through December 25, 1999 to
residents of California and Massachusetts in connection with the introductory
offer of Advanta Investment Notes in those states.

                    REDIRESERVE VARIABLE RATE CERTIFICATES***



                                                    Annual
                                                  Percentage
                   Tier         Interest Rate       Yield**
                   ----         -------------       -------
                                         
              $100 to $4,999         4.60%           4.71%
            $5,000 to $24,999        7.00%           7.25%
            $25,000 to $49,999       7.25%           7.52%
               $50,000 plus          7.50%           7.79%


                            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 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