Avant Cash Back Rewards Card
The Avant Cash Back Rewards Card sometimes included 1% or 2% cash back, though specific terms varied depending on the FICO score with annual fees ranging from $0, $39, and $75. APR's can range from 29.99%^ and 35.99%^. Avant targets people with fair credit (typically with FICO scores of 580 to 669). Your specific terms will depend on your creditworthiness, with offers provided directly through the Avant website.
Here is a comprehensive breakdown of the different Avant offers based on their annual fee structure.
Avant Cash Back Rewards Card offers compared
1. Avant Cash Back Rewards Card: (2% Unlimited Cash Back and 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 get.
2. Avant Cash Back Rewards Card: (1% Unlimited Cash Back and Annual Fee $39^)
- 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 and Annual Fee $75^)
- 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 a fair score offers better approval odds.
Key Takeaway: If your main priority is credit building and you have fair credit but spend a lot on your card, the card offers a chance to earn rewards. However, you must spend at least $7,500 annually just to offset the annual fee, making this a risky choice for most.
Important considerations for all Avant cards
- High APR: All Avant cards have a very high interest rate, 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
- $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
- $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
- $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
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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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*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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