Avant Cash Back Rewards Card
The Avant Cash Back Rewards Card sometimes includes 1% or 2% cash back, though specific terms vary depending on your FICO score. Annual fees range from $0, $39, and $75, and APRs can range from 29.99%^ to 35.99%^. Avant targets people with fair credit (typically FICO scores 580–669). Your specific terms will depend on your creditworthiness, with offers provided directly through the Avant website.
Avant Cash Back Rewards Card offers compared
1. Avant Cash Back Rewards Card (2% Unlimited Cash Back, No Annual Fee)
- Rewards: 2% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
- Annual Fee: $0
- APR: 29.99%^
- Credit Limit: $500 - $3,000^
- Credit Score (FICO): Fair credit (580–669), though some customers report approval with bad credit.
- Key Takeaway: A great card if you can get it, but it is not Avant's standard offer and may be difficult to obtain.
2. Avant Cash Back Rewards Card (1% Unlimited Cash Back, $39 Annual Fee)
- Rewards: 1% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
- Annual Fee: $39^
- APR: 35.99%^
- Credit Limit: $500 - $1,500^
- Credit Score (FICO): Fair credit (580–669)
- Key Takeaway: A rare rewards card for fair credit, but the $39 annual fee means you must spend $3,900 just to break even.
3. Avant Cash Back Rewards Card (1% Unlimited Cash Back, $75 Annual Fee)
- Rewards: 1% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
- Annual Fee: $75^
- APR: 35.99%^
- Credit Limit: $300 - $1,000^
- Credit Score (FICO): Bad to fair credit (300–670), though fair credit offers better approval odds
- Key Takeaway: If your main priority is credit building and you have fair credit but spend a lot, the card offers a chance to earn rewards. However, you must spend at least $7,500 annually to offset the annual fee, making this a risky choice for most.
Important considerations for all Avant cards
- High APR: All Avant cards have very high interest rates, so you must pay off your balance in full every month to avoid expensive interest charges.
- Credit score vs. credit profile: While Avant targets the fair credit range, final approval depends on your full financial picture, including income, other debts, and recent credit history.
- Pre-qualification is available: You can check your eligibility without a hard credit inquiry, so you can see your potential offer without affecting your credit score.
Avant Cash Back Rewards Card
- 2% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn†
- Cash back will be awarded as points redeemable for a statement credit†
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms for more information
- † See the Rewards Terms and Conditions for more information
- CLICK HERE TO APPLY ONLINE
*See application for additional details
Avant Cash Back Rewards Card
- 1% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn†
- Cash back will be awarded as points redeemable for a statement credit†
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- May Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms for more information
- † See the Rewards Terms and Conditions for more information
- CLICK HERE TO APPLY ONLINE
*See application for additional details
Avant Cash Back Rewards Card
- 1% Unlimited Cash Back on Every Purchase†, Everywhere Mastercard is accepted
- No Limit On The Monthly Rewards You Can Earn†
- Cash back will be awarded as points redeemable for a statement credit†
- $0 Foreign Transaction Fees
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Fast and Easy Application Process
- Zero Fraud Liability for Unauthorized Charges
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Checking your eligibility does not affect your credit score
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- Help Strengthen Your Credit History With Responsible Use
- We May Periodically Review Your Account For Credit Line Increases
- Returned Payment Fee : Up to $25
- Avant branded credit products are issued by WebBank
- ^See the Provider’s terms for more information
- † See the Rewards Terms and Conditions for more information
- CLICK HERE TO APPLY ONLINE
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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