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.
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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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