Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
$0 deposit unsecured card that reports to 3 bureaus monthly
Build credit without tying up money in a security deposit. The Avant Credit Card is an unsecured option for fair credit that reports to all 3 bureaus monthly, charges no foreign transaction fees, and offers proactive credit line increases — all with no penalty APR. The $59 annual fee is the cost of entry to an unsecured credit line starting at $300.
Annual Fee
$75
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Credit Required
Poor to Fair
Benefits & Perks
Complete protection from fraudulent charges—you never pay for unauthorized use
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Reviews & Analysis
An unsecured credit-building card for fair credit scores (580+) with $0 deposit, 3-bureau reporting, and no foreign transaction fees. No rewards, but the no-penalty-APR policy and proactive credit limit increases make it a reasonable stepping stone. $59 annual fee.
Details & Terms
| Purchase APR | 29.99%–35.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Credit Karma's review with unique member data: average approved score 585, average credit limit $1,190, 58.8% average utilization. Covers 3-bureau reporting and automatic credit line increases.
Comprehensive review covering Bankrate's 2.7/5 rating with detailed analysis of fees, credit-building features, cardholder perks, and comparison to secured card alternatives.
WalletHub's 2.7/5 editor review with 354 user reviews, detailed breakdown of fees, rewards (none), cost, and comparison to Capital One Platinum and Discover it Secured.
Forbes Advisor's curated list of the best credit cards for fair credit, providing context for where the Avant Credit Card fits among alternatives like Capital One Platinum and Discover it Secured.
Forbes Advisor's 2.2/5 rated review covering the card's basic Mastercard benefits including lost wallet assistance, emergency card replacement, airport concierge discount, and ID theft protection.
SuperMoney's review with user ratings and detailed breakdown of Avant Credit Card's fees, APR, and comparison to other credit-building options.
Reddit community discussion about real-world Avant Credit Card experiences, approval stories, and whether the card is worth it for credit building.
CNET's overview positioning the Avant Credit Card as one of the most basic unsecured cards for fair credit, designed for those who want to build credit without rewards.
| Source | Verified | Citation |
|---|---|---|
| Avant Official | — | Avant Official |
| NerdWallet | — | NerdWallet |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr |
