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

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.

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.

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.