Avant Card Application | Review and Limit
The Avant Credit Card is a Mastercard designed for those with fair to bad credit who are looking to build their credit history. While it is a legitimate unsecured credit card that reports to all three major credit bureaus, it comes with a high APR, which can make it expensive if you carry a balance.
Avant Card
- Fast and easy application process
- We may periodically review your account for Credit Line Increases
- May help strengthen your credit history with responsible use
- No Hidden Fees^
- $0 Foreign Transaction Fees
- Conveniently pay your card through our online portal, 24/7
- Zero Fraud Liability for Unauthorized Charges
- Avant branded credit products are issued by WebBank
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Cash Advance Fee - The greater of $10 or 3% of the amount of the cash advance
- Late Fee up to $39
- Returned Payment Fee : Up to $25
- ^See the Provider’s terms for more information
- CLICK HERE TO APPLY ONLINE
*See application for additional details
Key features of Avant Card
- Credit-building tool: The card is built for individuals with fair credit (typically 580 to 669 FICO score) who may not qualify for prime credit cards. It reports account activity to Equifax, Experian, and TransUnion.
- Prequalification with soft inquiry: You can check for pre-qualification online with only a soft credit inquiry, which does not affect your credit score.
- Unsecured credit line: The card offers an unsecured credit line starting at $500 - $3,000^, which means no security deposit is required.
- Credit line increases: Avant may offer automatic credit line increases with responsible use, which can help your credit utilization and score over time.
- No foreign transaction fees: This is a rare feature for a card aimed at those with fair or bad credit.
- Mobile app: Cardholders can manage their account from anywhere using the Avant mobile app.
Drawbacks to Avant Card
- Very high APR: With a fixed APR of 35.99%, carrying a balance on the Avant card can be very costly and should be avoided.
- No rewards: Unlike many credit-building cards, the basic Avant Credit Card does not offer any rewards like cash back or points.
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
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.
Security Notice: Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*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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