Compare Avantcard credit cards

Two cards that both come with a range of perks.

Updated

Woman pays with credit card

Since teaming up with An Post in 2018, Avantcard has gone from strength to strength when it comes to personal loans and credit cards. While many of its products now carry the An Post brand through the national post office network, there are still two distinct credit cards that Avantcard proudly calls its own. Let’s take a look at them.

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What credit cards are available with Avantcard?

  • One Card

With the Avantcard One Card you’ll get three introductory rates which help you get more value from your credit card. The typical interest rate for purchases and transfers with this card is 14.9% (or 20.6% APR).

  • Reward+ Card

If you think a mix of offers and rewards would suit you more, the Reward+ Card lets you choose different perks when you sign up for an account. Again the typical rate of interest for purchases and transfers on this card is 14.9% (or 20.6% APR).

What are the benefits of Avantcard credit cards?

The One Card offers the following benefits:

  • 0% interest on money transfers for nine months – letting you make transfers to other accounts
  • 0% interest on balance transfers for six months – useful in helping you to pay off debt on another credit card with a higher rate of interest. For this offer to work, you’ll need to complete a balance transfer within 90 days
  • 0% interest on purchases for three months – items you buy upfront can be paid back over a set period of time without interest
  • A competitive 16.8% rate of interest on cash withdrawals
  • No monthly account fee – but be aware the Irish government charges stamp duty of €30 per year on all credit card accounts
  • Access to Advantages Rewards – a loyalty programme which can unlock a range of deals. Plus, enjoy further offers with Booking.com, among others
  • Personalised pricing – access lower rates of interest if you have a better credit history
  • You can name up to three additional cardholders

    Meanwhile the Reward+ Card has two different benefits you can choose from.

    • 0% interest on purchases for one month, balance transfers for two months and money transfers for three months
    • €30 in bonus credit – paid directly into your account

    What’s more, you can also choose either of the following ‘always on’ rewards:

    • 15% interest refund – reducing some of the interest on your purchases each month. This is capped at €24 per month
    • 1.2% cashback – get up to €12 earned back on retail or entertainment transactions

    The Reward+ Card, like with the One Card, has these advantages:

    • No monthly account fee – but be aware the Irish government charges stamp duty of €30 per year on all credit card accounts
    • Access to Advantages Rewards – a loyalty programme which can unlock a range of deals. Plus, enjoy further offers with Booking.com, among others
    • Personalised pricing – access lower rates of interest if you have a better credit history
    • You can name up to three additional cardholders

    How to apply for an Avantcard credit card

    Eligibility requirements:

    • Avantcard credit card applicants must be at least 18 years old
    • You’ll need to be a resident of the Republic of Ireland

    In order for Avantcard to check your suitability for a credit card, you’ll also be asked for the following details: your total income; the number of dependents you have; any monthly rent or mortgage repayments, along with any other monthly loan debts.

    Documents required:

    • Proof of income – this will typically be via your bank statements and payslips
    • Proof of identification – one from the following: a valid passport, passport card, driver’s licence, immigration card or Garda age card
    • Proof of address – this must be dated within the last three months, and be one of the following: a utility bill, revenue document, social insurance document, home/car insurance document or bank/credit union statement

    Frequently asked questions

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