Avant Cash Back Rewards Card: 2% Cash Back and $0 Annual Fee

The Avant Cash Back Rewards Card offers 2% unlimited cash back on every purchase, with no annual fee on this particular offer. It is an unsecured credit card designed for consumers who may be looking for an alternative to secured credit cards or traditional cards that require stronger credit.

The Avant Cash Back Rewards Card is issued by WebBank. Your eligibility, credit limit, APR, and other account terms depend on the offer you receive and the information in your application. Avant states that its credit card products are available with different pricing and terms depending on the offer and application channel. :contentReference[oaicite:1]{index=1}

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Avant Cash Back Rewards Card at a Glance

• Cash Back: 2% unlimited cash back on eligible purchases
• Annual Fee: $0 for this offer
• Credit Limit: $500 to $3,000, subject to credit approval
• APR: 29.99% for this offer
• Security Deposit: None
• Card Network: Mastercard
• Issuer: WebBank
• Prequalification: Available without affecting your credit score

2% Cash Back on Every Purchase

The main feature that separates this version of the Avant Card from the basic Avant Card is the cash-back program. With this offer, you can earn 2% cash back on purchases without a stated monthly rewards cap.

That makes the rewards straightforward. You don't have to keep track of rotating categories or wait for a special promotional period to earn cash back. Purchases that qualify under the rewards terms can earn cash back at the stated rate.

The Avant rewards program has specific terms and conditions, so it's important to review the rewards terms associated with the offer you receive.

$0 Annual Fee

One of the more significant features of this particular Avant Cash Back Rewards Card offer is the $0 annual fee.

That's important when comparing cash-back cards because an annual fee can reduce the value of a rewards program. With a $0 annual fee, you don't have to spend a certain amount each year just to offset the cost of keeping the account open.

What Credit Limit Can You Get?

The credit limit for this Avant Cash Back Rewards Card offer can range from $500 to $3,000, subject to credit approval and the information in your application.

Your actual credit limit is determined by the issuer and may be different from the maximum advertised amount. Avant also notes that actual credit lines can vary based on factors such as credit history and ability to repay. :contentReference[oaicite:2]{index=2}

What Is the APR?

The APR listed for this particular offer is 29.99%. That's a high interest rate, so the cash-back rewards are most valuable when you avoid carrying a balance from month to month.

If you regularly carry a balance, the interest charges can easily outweigh the cash back you earn. For that reason, the rewards should not be viewed as a reason to spend more than you otherwise would.

Can You Prequalify for the Avant Cash Back Rewards Card?

Yes. Avant provides a way to check whether you may qualify without affecting your credit score. Avant specifically states that checking whether you qualify does not impact your credit score. :contentReference[oaicite:3]{index=3}

Prequalification is not the same as final approval. If you receive an offer and decide to continue with the application, the issuer will make the final credit decision based on the information required for the application.

See If You Prequalify for the Avant Cash Back Rewards Card

Advantages of the Avant Cash Back Rewards Card

• 2% unlimited cash back: Earn cash back on eligible purchases without a stated monthly rewards limit.
• $0 annual fee: This particular offer does not charge an annual fee.
• No security deposit: The card is unsecured, so you don't have to provide a refundable security deposit to establish the account.
• Prequalification available: You can check your potential eligibility without affecting your credit score.
• Potentially useful for fair credit: Avant specifically markets its credit card toward consumers with fair or average credit. :contentReference[oaicite:4]{index=4}

Things to Consider Before Applying

• High APR: The 29.99% APR makes carrying a balance expensive.
• Credit limit is not guaranteed: The advertised $500 to $3,000 range does not mean every applicant will receive a particular credit limit.
• Approval is not guaranteed: Prequalification only indicates that you may qualify for an offer. Final approval is determined after the application process.
• Rewards have terms: Cash-back rewards are subject to the applicable rewards terms and conditions.

Who Might Consider the Avant Cash Back Rewards Card?

The Avant Cash Back Rewards Card may be worth considering if you're looking for an unsecured credit card and want cash back without paying an annual fee on this particular offer.

The combination of a potential $500 to $3,000 credit limit, 2% cash back, and a $0 annual fee makes this version substantially different from the basic Avant Card, which does not offer cash-back rewards.

As with any credit card, the value of the card depends on the terms you actually receive and how you use the account. The 2% cash back can be useful, but paying interest on a revolving balance can cost considerably more than the rewards earned.

Avant Cash Back Rewards Card Review: Final Thoughts

The Avant Cash Back Rewards Card stands out because it combines an unsecured credit line with 2% cash back and a $0 annual fee for this particular offer.

If you're interested in the card, you can start by checking whether you prequalify without affecting your credit score. That lets you see whether an offer is available before deciding whether to continue with the application.

Check Your Avant Cash Back Rewards Card Options