Avant Credit Card: Perfect for Every Credit Journey
- Annual fee
- $0 to $59
- Recommended credit
- Fair / No Credit Required
- Card network
- Mastercard
- Regular purchase APR
- 35.99%
At a glance
The Avant Credit Card is a beginner-friendly credit-building tool that intentionally omits the bells and whistles. Perfect for someone looking to get their first credit card but is equally adept at rebuilding a dinged credit score.
Our review of the Avant Credit Card
The Avant Mastercard is a top choice for individuals seeking their first credit card, aiming to enhance a fair credit score, or wanting to develop good credit habits.
Who Can Benefit From the Avant Credit Card?
The Avant Card is an ideal option for those who may not qualify for the best offers from major banks like Chase or Bank of America. Specifically designed for individuals with fair credit scores, this unsecured credit card helps improve creditworthiness.
Quick Online Pre-Qualification
One standout feature of the Avant card is the automatic pre-qualification review during the application process. This benefits applicants who have faced rejections in the past and are wary of additional credit report inquiries without approval.
Manageable Credit Limits
With credit limits ranging from $300 to $3,000, the Avant Credit Card offers a proactive approach to limit increases and reports to all three major credit bureaus immediately.
Build Credit without Hassles
While lacking in rewards, the Avant card provides a simple and transparent option to establish a strong payment history with responsible use.
Mastercard Benefits
The Avant Card includes basic Mastercard protections like Zero Liability Protection, Mastercard Global Services, and ID Theft Protection.
Comparison
Compared to other subprime options like the Applied Bank® Visa® Revvi Card and Aspire® Cashback Rewards Credit Card, the Avant Card stands out for its pre-qualification process and low annual fee.
Credit Boosting Tips
Here are some credit-building tips to maximize the benefits of the Avant Card:
- Check your credit file regularly
- Keep credit utilization low
- Pay bills on time
- Become an authorized user
- Limit new credit applications
Things to Consider
While Avant has many benefits, drawbacks include a fixed payment date and an annual fee of up to $59.
Should You Apply for the Avant Credit Card?
For those looking to build credit or improve a fair credit score, the Avant Credit Card is a straightforward and effective option. While it may not offer rewards or balance transfers, its focus on credit-building and low fees make it a solid choice for credit beginners.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No deposit required
- Reports to all three major credit bureaus
- No penalty APR
- No hidden fees
- Late Fee up to $39
- Late Payment Fee: Up to $25
- We may periodically review your account for credit line increases
- Fast and easy application process
- Help strengthen your credit history with responsible use
- Zero fraud liability for unauthorized charges
- Conveniently pay your card through our online portal, 24/7
- Get Mastercard® ID Theft Protection by Mastercard
- Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
- Checking your eligibility does not affect your credit score
- Avant branded credit products are issued by WebBank, member FDIC
- See the Provider's terms for more information
Who this card may suit
- You are looking to build credit for the first time
- You do't require more than a $1,000 credit limit
- You will pay off your card balance in full each month
- You want to check for pre-qualification prior to applying
Rates, fees and terms
| Annual Fee | $0 to $59 |
|---|---|
| Regular Purchase APR | 35.99% |
| Cash Advance APR | 35.99% |
| Cash Advance Transaction Fee | Either $10 or 3% of the amount of the cash advance, whichever is greater |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $25 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Limited or No Credit.
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Avant Credit Card
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