As far as regular credit cards go, Avant Credit Card isn’t the only game in town. But it has something in its favor that you might not find in other options. If you’re new to credit cards or have made some missteps, finding a card that doesn’t require prepayment can be difficult. However, the Avant card is not secure, so you don’t need to do anything to get it.
One of the most attractive features of the Avant credit card is that you can pre-qualify with a mild credit check to see the rates and fees you are eligible for before submitting your application. Avant credit cards also report your payment history to all three major credit reporting agencies – a must for anyone looking to improve their credit score.
But these are the absolute minimums you should expect when looking for a card that can take your credit score to the next level. There are other cards that offer these basic features and more, like no annual fee, and some offer rewards and other money-saving extras.
At a Glance
- Credit limit from $300 to $3,000
- $59 annual fee
- APR: 26.49%* Variable
- Soft credit check to see if you qualify
- Reports to all three major credit bureaus.
Other Avant Credit Card Benefits
As a MasterCard, the Avant Credit Card offers the following benefits:
- Lost Wallet Assistance: Get help in notifying the appropriate card issuer to cancel and replace stolen or lost items.
- Emergency Card Replacement: Arrange for a next-day card replacement and/or arrange for an emergency cash advance.
- Airport Concierge Discount: 15% discount on airport meet and greet services.
- Theft Protection: Access a team of identity theft resolution experts.
Beautifully printed
Interest expense
- Regular APR: 26.49%* Variable
- Purchase introductory APR: Not applicable
- Introduction to Balance Transfer APR: N/A
cost
- Annual fee: $59
- Balance transfer fee: see terms and conditions
- Cash Advance: USD 10 or 3% of the cash advance amount, whichever is greater. Disclosure: If you are charged interest, the fee will be no less than $1.00
- Foreign purchase transaction fee: none.
Below are the fares for Avant credit cards
Avant Credit Card and Apple Card*
Apple Card* offers a delicious rewards program, especially for those who can use Apple Pay for most of their purchases. The card has no annual fees, foreign exchange fees or late fees, and it’s paired with an app that shows you your interest costs in different payment scenarios.
Note that the top 3% bonus rate is reserved for Apple purchases and some select retailers when using the Apple Card with Apple Pay. 2% off all other purchases made with the card through Apple Pay and 1% off all purchases made without Apple Pay. If you can’t or don’t want to use Apple Pay, you should stay away from this card.
Avant Credit Card with Petal® 2 Cash Back, No Fees Visa® Credit Card
The Petal® 2 Visa® Credit Card (issued by FDIC member WebBank) is one of the best unsecured cards for those with little credit. With the Petal 2 Card, there’s no annual fee or deposit, and 1% cash back and up to 1.5% cash back on eligible purchases are instantly available after 12 on-time payments per month. Plus, earn 2% – 10% cash back at select retailers. One caveat: this card is not for people with damaged credit. If this sounds like you, consider the Petal® 1 “No Annual Fee” Visa® Credit Card issued by FDIC member WebBank.
Avant Credit Card and Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards credit card offers 1.5% flat cash back and 5% cash back on hotel and car rentals on every purchase booked through Capital One Travel from day one. But it also comes with a $0 annual fee, which means you’ll have to spend more than $2,600 a year on the card to balance the annual fee.
Not only is the annual fee the same for all cardholders, but you can also choose a higher credit limit after six months of membership. The Capital One Quicksilver Cash Rewards credit card offers additional benefits such as the ability to use your rewards on recent purchases and access to select event tickets and experiences.
Is the Avant Credit Card Right for You?
If you have a reasonable credit rating, the Avant Card may be a good option to help you build a stronger image. However, if your credit score improves, this is not a card you want to keep long-term. In addition to the options shown above, Eragoncred has compiled a list of the best credit cards for bad credit to help you choose the right credit card for your specific situation.
