An ACT AADV credit card charge can feel confusing if you don’t recall signing up for anything called AADV. In most cases, the descriptor points to ACTIVE Advantage, a paid membership offered by ACTIVE Network.
The charge often appears after you register online for a race, camp, sports program, or another activity that uses ACTIVE’s registration platform. Below, you’ll see why the charge can appear, what $99.95 usually represents, and how you can cancel or dispute it.
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What Is the ACT AADV Credit Card Charge?
An ACT AADV charge generally comes from ACTIVE Network’s ACTIVE Advantage membership program. ACTIVE Network provides registration and payment technology for races, camps, recreational programs, and other activities.
ACTIVE’s own support documentation says ACTIVE Advantage currently costs $99.95 per year. The company also offers 30-day trials that can automatically convert into an annual paid membership unless you cancel before the trial ends.
On your statement, the wording may appear in several forms. Consumer complaints show descriptors such as ACT*AADV, ACT*AADV ENDTRIA, and ACT*AADV YRrenew-AADV.
| Statement wording | Likely meaning | What you should check |
|---|---|---|
| ACT AADV | ACTIVE Advantage membership | ACTIVE account |
| ACT*AADV ENDTRIA | Charge after a trial ended | Trial signup date |
| ACT*AADV YRrenew-AADV | Annual membership renewal | Previous year’s statement |
| $99.95 ACT AADV | Current annual membership fee | ACTIVE Advantage account |
| ACT or ACTIVE NETWORK | Registration or ACTIVE service | Event receipt |
The exact wording can vary by card issuer. A shortened descriptor may make the membership hard to recognize.
What Does AADV Mean?
In this context, AADV refers to ACTIVE Advantage. It should not generally be confused with American Airlines AAdvantage when the transaction also includes ACT, ACTIVE, ENDTRIA, or ACTIVE Network wording.
“ENDTRIA” appears to be shortened statement wording associated with the end of an ACTIVE Advantage trial. “YRrenew-AADV” appears on reported annual renewal transactions.
ACTIVE does not appear to publish an official glossary explaining every abbreviated statement descriptor. However, the connection is strongly supported by ACTIVE’s membership documentation and BBB complaint records showing the same wording with ACTIVE Advantage charges.
Why Did ACTIVE Network Charge You $99.95?
The most common explanation is that an ACTIVE Advantage trial converted into a paid annual membership.
ACTIVE currently says its trial can last 30 days. If you do not cancel before that period ends, the company says it charges the card on file $99.95 for a full year of membership. The membership can then renew annually at the current fee unless you turn off renewal.
You may have encountered the offer after registering for:
- A 5K, marathon, or other race
- A youth sports program
- Summer camp
- Fitness classes
- Community recreation programs
- Cycling or endurance events
- Other activities using ACTIVE Network
The event itself does not necessarily provide ACTIVE Advantage. ACTIVE Network may handle the online registration process and present the membership offer separately.
Pro Tip: Search your email around 30 days before the $99.95 charge. Look for “ACTIVE Advantage,” “ACTIVE Network,” “trial,” and the name of a race, camp, or activity you registered for.
Why Do So Many People Say They Didn’t Sign Up?
Unexpected enrollment has been a significant source of complaints.
In October 2022, the Consumer Financial Protection Bureau sued ACTIVE Network. The CFPB alleged that the company used confusing website design to enroll consumers into ACTIVE Advantage while they were registering for unrelated events. The agency alleged that many consumers thought they were simply completing their race, camp, or activity registration.
That lawsuit did not result in a final judgment against ACTIVE. The CFPB says the parties voluntarily dismissed the case with prejudice in April 2025, and the court closed it in May 2025.
ACTIVE’s current signup pages are more explicit about the membership. They state the annual $99.95 fee, automatic renewal, and cancellation terms directly on the trial enrollment page.
Is the ACT AADV Charge Legitimate?
ACTIVE Network is a real company, and ACTIVE Advantage is a real membership program. That means seeing ACT AADV on your statement does not automatically mean your card was stolen.
However, you still need to determine whether you knowingly authorized the membership.
BBB currently gives ACTIVE Network a C rating and says the company is not BBB accredited. Its profile shows hundreds of complaints over the last three years, including many billing and membership complaints.
BBB reviews also include recent customers who said they discovered $99.95 charges after registering for camps, races, or classes. Trustpilot contains similar reports about unexpected ACTIVE Advantage enrollment.
These complaints do not prove your transaction was unauthorized. They do show that ACT AADV billing confusion is a recurring consumer issue.
How to Find Out Where the Membership Started
Start by checking your ACTIVE.com account. Use the email address you normally use when registering for races, children’s programs, or community activities.
Look at your email history too. Search for:
- ACTIVE Advantage
- ACTIVE Network
- ACTIVE.com
- $99.95
- Trial
- Membership
- Registration confirmation
Think back about 30 days before the first ACT AADV charge. That timing can help you find the original event registration.
Also check earlier statements. If your transaction says YRrenew-AADV, you may find another ACTIVE Advantage charge approximately one year earlier.
Common Mistakes: Don’t assume the $99.95 charge is the registration fee for your race or camp. ACTIVE Advantage is a separate membership, even when you first encounter its offer during an event registration.
How to Cancel ACTIVE Advantage
ACTIVE provides an online cancellation process.
Sign in to ACTIVE.com using the email and password connected with your membership. Open the Advantage section under your account name, scroll to the membership options, and choose Cancel my membership. Confirm that you want to turn off the membership or auto-renewal.
ACTIVE also lists ActiveAdvantage@active.com as an official contact address for membership questions and cancellation assistance.
Save your cancellation confirmation. You should also check the next statement to make sure another charge does not appear.
Canceling normally stops future renewal. It does not necessarily remove the current charge automatically.
Can You Get the $99.95 Refunded?
A refund may be possible.
ACTIVE’s current membership information says members who are dissatisfied can cancel and receive a prorated refund of the annual membership fee. That means the refund may be reduced based on how much of the membership period has already passed.
Contact ACTIVE Advantage promptly if you just noticed the charge. Ask clearly for both cancellation and a refund review.
Keep the email response and any refund confirmation. Refund timing can depend on the merchant and your card issuer.
Do not assume online reports promising a full refund apply to your account. Current official language specifies a prorated refund.
What If You Never Authorized ACT AADV?
If you never agreed to the membership and cannot match it to an ACTIVE registration, contact ACTIVE first if you feel comfortable doing so. Ask when and how the membership was created.
You should also contact your card issuer using the number on the back of your card. Tell the issuer that you do not recognize the ACT AADV transaction and ask for the complete merchant details.
If you believe the charge was unauthorized, ask about filing a dispute. Your issuer may also advise whether your card should be replaced.
Do not automatically report the original race or camp fee as fraudulent if you recognize that purchase. The activity registration and ACTIVE Advantage membership can be separate transactions.
FAQs: ACT AADV Credit Card Charge
Q. What is ACT AADV on your credit card?
A. ACT AADV generally refers to ACTIVE Advantage, an annual membership offered by ACTIVE Network. It often appears after a trial associated with an online activity registration.
Q. Why did ACT AADV charge you $99.95?
A. $99.95 is ACTIVE Advantage’s current annual membership fee. A 30-day trial can convert into the annual membership if you do not cancel before the trial ends.
Q. What does ACT AADV ENDTRIA mean?
A. It appears to indicate an ACTIVE Advantage charge when a trial ends. BBB complaint records show ACT*AADV ENDTRIA on $99.95 membership transactions, although ACTIVE does not appear to publish a formal definition of the abbreviation.
Q. How do you stop ACT AADV from charging your card again?
A. Sign in to ACTIVE.com, open your Advantage membership, and select the cancellation option to disable future renewal. If you cannot access the account, contact ACTIVE Advantage support and keep written proof of your request.
Conclusion
An ACT AADV credit card charge usually comes from ACTIVE Network’s ACTIVE Advantage membership. The most common amount is currently $99.95 per year, and the charge may appear after a 30-day trial or as a later annual renewal.
Check your ACTIVE account, event registrations, email history, and previous statements first. If you did not authorize the ACT AADV membership, contact ACTIVE and your card issuer promptly to discuss cancellation, a possible refund, and your dispute options.
Disclaimer: This article is for informational purposes only and is not financial or legal advice. Membership, refund, cancellation, and card-dispute policies may vary by company and issuer, so verify account-specific questions with ACTIVE Network or your bank.
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