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AvantCard review

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Build your credit with responsible credit card use.

  • Get this card if you want an unsecured credit card for building credit.
  • Pick something else if you want a secured credit card or a rewards program.
  • Apply with a fair credit score of 580 or higher.

From $29

Annual fee

24.49% to 25.49%

Purchase APR (variable)

580

Recommended credit score

Details

Product NameAvantCard
Card typeMastercard
Annual fee$29 to $49
Purchase APR24.49% to 25.49% variable
Balance transfer APRN/A
Cash advance rate24.49% to 25.49% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 24 days
Late payment feeUp to $39
Rates & feesrates & fees

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.

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.

What credit score do I need?

Apply with a fair credit score of 580 or higher.

Compare low credit score cards

Name Product Filter values Rewards Purchase APR Annual fee
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Credit One Bank® Unsecured Visa® for Rebuilding Credit
1% cash back on all purchases on eligible purchases
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Indigo® Platinum Mastercard® Credit Card
N/A
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
Reflex Mastercard® Credit Card
N/A
25.9% to 29.99% variable
$75 to $99
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.
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Compare up to 4 providers

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

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