What Is an Avant Credit Card?
An Avant Credit Card is an unsecured Mastercard designed primarily for people with fair or average credit who want access to a credit card without making a security deposit. Avant Credit Cards can be used wherever Mastercard is accepted, and Avant reports its credit cards to all three major credit bureaus, so responsible use and on-time payments can help build or strengthen your credit history. Current Avant card offers have credit limits ranging from $300 to $3,000, depending on the specific card and the applicant's qualifications. Avant offers both standard and cash back versions, including cards with 1% or 2% unlimited cash back. The cards are issued by WebBank, while Avant is the financial technology company and brand behind the credit card.
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What Does an Avant Credit Card Do?
An Avant Credit Card gives you an unsecured revolving line of credit that you can use to make purchases wherever Mastercard is accepted. Unlike a secured credit card, you do not have to provide a cash security deposit to establish the credit line.
You use the card to make purchases against your available credit and then make payments toward the balance. As payments are made, available credit can become available again for future purchases.
The specific features of an Avant Credit Card depend on the particular offer. Some Avant cards do not have cash back rewards, while other Avant offers provide unlimited cash back on purchases.
Who Is the Avant Credit Card Designed For?
The Avant Credit Card is primarily designed for consumers with fair or average credit who may have difficulty qualifying for some traditional credit cards. Avant describes its credit card as an option for consumers on different stages of their financial journey, including people who are working to build or strengthen their credit.
Having fair or average credit does not guarantee approval. Avant evaluates each application based on the information provided and the factors used in its credit decision.
What to Expect During Application Verification: Checking your initial eligibility does not necessarily complete the approval process. Avant may require additional verification of information provided with your application, including identity, income, employment, and banking information, before a credit card application can be approved.
The important distinction is that the Avant Credit Card is an unsecured credit card. You are applying for a revolving credit account rather than putting money down as collateral for the credit line.
Can an Avant Credit Card Help Build Credit?
Yes. Avant Credit Cards are reported to all three major credit bureaus. This means your account activity can become part of your credit history.
Making payments on time and managing the balance responsibly can help establish or strengthen your credit history over time. As with any credit card, simply having the account does not guarantee that your credit score will increase. How the account is used and how the resulting information is reflected in your credit reports are important.
What Avant Credit Cards Are Available?
There is not just one identical Avant Credit Card offer. The Avant card offers shown on our site have different rewards, credit-limit ranges, and annual fees. This is important because someone researching an Avant Credit Card may encounter different versions of the card depending on the offer available to them.
The differences are not limited to the rewards program. The available credit limit and annual fee can also vary from one Avant offer to another, so the name “Avant Credit Card” by itself does not tell you the complete terms of the particular card being offered.
Avant Cash Back Rewards Card — 2% Cash Back
This version offers 2% unlimited cash back on every purchase wherever Mastercard is accepted. The current offer shown here has a $500 to $3,000 credit-limit range and a $0 annual fee. There is no limit on the amount of cash back that can be earned each month.
➤ Apply for the Avant Cash Back Rewards Card
Avant Card
The standard Avant Card does not offer cash back rewards. It provides an unsecured revolving credit line that can be used wherever Mastercard is accepted. The current offer shown here has a $500 to $3,000 credit-limit range and a $0 annual fee. Avant may periodically review accounts for potential credit-line increases.
Avant Cash Back Rewards Card — 1% Cash Back
This version provides 1% unlimited cash back on purchases wherever Mastercard is accepted. The current offer shown here has a $500 to $1,500 credit-limit range and a $39 annual fee. There is no monthly limit on the amount of cash back that can be earned.
➤ Apply for the Avant Cash Back Rewards Card
Avant Cash Back Rewards Card — $300 to $1,000 Limit
This is another 1% unlimited cash back version of the Avant Cash Back Rewards Card. The current offer shown here has a $300 to $1,000 credit-limit range and a $75 annual fee. The card can be used wherever Mastercard is accepted, and there is no limit on the amount of cash back that can be earned each month.
➤ Apply for the Avant Cash Back Rewards Card
Are All Avant Credit Cards the Same?
No. The Avant name can refer to different credit card offers with different terms. The versions shown above have different cash back rates, credit-limit ranges, and annual fees.
For example, the 2% cash back version is substantially different from the standard Avant Card, which does not offer cash back. The two 1% cash back versions also have different credit-limit ranges and annual fees.
That is why it is important to look at the specific Avant offer available to you rather than assuming that every Avant Credit Card has the same terms and features.
Avant's own information also indicates that credit card pricing and terms can vary by application channel or offer. This helps explain why consumers researching an Avant Credit Card may encounter different annual fees, credit limits, or rewards depending on the particular offer they are viewing.
Who Issues the Avant Credit Card?
WebBank is the issuing bank for Avant Credit Cards. Avant is a financial technology company and the brand consumers associate with the card, while WebBank is the bank that issues the credit product.
This is why both Avant and WebBank may appear in information about an Avant Credit Card. Avant is the brand, and WebBank is the issuing bank.
Does an Avant Credit Card Require a Security Deposit?
No. Avant Credit Cards are unsecured credit cards. An applicant does not have to provide a security deposit to establish the credit line.
This is one of the important differences between an Avant Credit Card and a secured credit card. With a secured card, the cardholder generally provides a deposit that serves as security for the account. An Avant Credit Card provides a revolving credit line without requiring that type of deposit.
Does Checking for an Avant Credit Card Affect Your Credit Score?
Checking your eligibility for an Avant Credit Card does not impact your credit score. Avant states that checking eligibility uses a process that does not affect your credit score.
Checking eligibility is separate from completing a credit card application. If you decide to proceed, the issuer obtains the information needed to evaluate the application and make a credit decision.
How Does an Avant Credit Card Work?
After approval, an Avant Credit Card provides a revolving credit line that can be used for purchases wherever Mastercard is accepted. Each purchase uses part of your available credit, and payments toward the account can restore available credit for future purchases.
The account can be managed online, including reviewing account information and making payments. The particular credit limit, rewards program, annual fee, and other account terms depend on the specific Avant offer for which you qualify.
What Credit Limits Do Avant Credit Cards Have?
Avant Credit Card offers can have different credit-limit ranges. The current offers shown on our site range from $300 to $3,000.
The specific credit limit available to an applicant depends on the particular card offer and the applicant's qualifications. The $300 to $3,000 range should therefore not be interpreted as a promise that every applicant will receive a particular limit.
Does the Avant Credit Card Offer Cash Back?
Some Avant Credit Cards offer cash back, while the standard Avant Card does not. The current cash back offers shown above include versions offering either 1% or 2% unlimited cash back on purchases wherever Mastercard is accepted.
This is another reason the term “Avant Credit Card” by itself does not identify every feature of a particular account. The rewards program depends on the specific card offer.
What Is the Simple Answer to “What Is an Avant Credit Card?”
An Avant Credit Card is an unsecured, general-purpose Mastercard designed primarily for consumers with fair or average credit. It does not require a security deposit, can be used wherever Mastercard is accepted, and is reported to all three major credit bureaus. Avant offers different versions of its credit card, including a standard card without rewards and cash back versions offering 1% or 2% unlimited cash back.
Avant is the financial technology company and brand, while WebBank is the issuing bank. The exact credit limit, rewards, and annual fee depend on the particular Avant card offer and the applicant's qualifications.
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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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