AvantCard review

How to apply for the AvantCard

1. Visit the Avant website and locate the card.
2. Under the Borrow menu select Credit cards.
3. Fill out the form to see if you prequalify.
4. If you do, continue to your application form and submit.

The basics

The AvantCard is an unsecured credit card for building credit — expect to get a credit line between $1,000 and $300 depending on your creditworthiness. The provider also lets you see if you prequalify before you apply. This can help you avoid a hard pull on your credit in case you change your mind or find you’re unlikely to be approved for the card.

However, you won’t earn any rewards on your purchases and you’ll have to pay an annual fee for the card.

Card benefits

• Build your credit.
  Use your card responsibly to build credit and eventually apply for a better card. The AvantCard reports to all three credit bureaus — Experian, Equifax and TransUnion.
• Prequalification process.
  Provide the required personal information to see if you prequalify before you apply.
• No foreign transaction fees.
  Don’t pay foreign transaction fees when using this card abroad or online with foreign merchants.

What to watch out for

• Not transparent.
  The card’s terms and conditions are hidden and you can’t see them until you start the application process.
• Annual fee.
  You’ll pay up to a $29 annual fee to use the card, depending on your creditworthiness.
• No rewards.
  You won’t earn any rewards on your purchases with the AvantCard.

Compare low credit score cards

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
PCB Secured Visa®			N/A	18.9% fixed	$39	Apply now View details	Choose your initial deposit amount and credit limit from $200 to $1000. Rates & fees	Compare	loading Fetching your data...
Surge Mastercard® Credit Card			N/A	25.9% to 29.99% variable	$75 to $99	Apply now View details	An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.	Compare	loading Fetching your data...
Reflex Mastercard® Credit Card			N/A	25.9% to 29.99% variable	$75 to $99	Apply now View details	Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.	Compare	loading Fetching your data...

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Bottom line

If you’re trying to build your credit, the AvantCard could be an option. However, you could find a better deal if you compare similar credit cards. Also, a secured card could be a solid alternative, provided you can cover the initial secured deposit costs.

Frequently asked questions

• Is the AvantCard a secured card?

  No, the AvantCard is an unsecured card. Depending on your creditworthiness, you can get anywhere between $1,000 and $300 credit line.

• Can I get a credit limit increase with the AvantCard?

  If you use your card responsibly, you could get a credit limit increase.

• Does the prequalification process affect my credit score?

  No, Avant doesn’t make a hard pull on your credit during the prequalification process.