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.
Want to avoid high APRs and maintenance fees?
Most people don’t realize you can use bad credit credit cards for 12 months and avoid most of the costs entirely.
Read the 12-Month Credit Plan →Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
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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