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MASTERCARD

Mastercard Standard

AvantCard Credit Card

$59

Annual Fee

At a Glance

Annual Fee

$59

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor to Fair

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

$0 fraud liability on all purchases

Complete protection from fraudulent charges—you never pay for unauthorized use

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Reviews & Analysis

Pros and Cons

Pros

+Unsecured card with no security deposit required
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with fair or limited credit
+Credit limits up to $1,000
+No cash advance feature helps prevent debt accumulation
+True revolving credit demonstrates responsible credit management

Cons

-$59 annual fee (may vary based on credit profile)
-High APR of 30.24%-35.99% makes carrying a balance expensive
-No rewards or cash back on purchases
-3% foreign transaction fee
-

Details & Terms

Payment Terms

Purchase APR	30.24%–35.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

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Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARD

Mastercard Standard

AvantCard Credit Card

$59

Annual Fee

At a Glance

Annual Fee

$59

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor to Fair

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

$0 fraud liability on all purchases

Complete protection from fraudulent charges—you never pay for unauthorized use

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Reviews & Analysis

Pros and Cons

Pros

+Unsecured card with no security deposit required
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with fair or limited credit
+Credit limits up to $1,000
+No cash advance feature helps prevent debt accumulation
+True revolving credit demonstrates responsible credit management

Cons

-$59 annual fee (may vary based on credit profile)
-High APR of 30.24%-35.99% makes carrying a balance expensive
-No rewards or cash back on purchases
-3% foreign transaction fee
-

Details & Terms

Payment Terms

Purchase APR	30.24%–35.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARD

Mastercard Standard

AvantCard Credit Card

$59

Annual Fee

At a Glance

Annual Fee

$59

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor to Fair

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

$0 fraud liability on all purchases

Complete protection from fraudulent charges—you never pay for unauthorized use

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Reviews & Analysis

Pros and Cons

Pros

+Unsecured card with no security deposit required
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with fair or limited credit
+Credit limits up to $1,000
+No cash advance feature helps prevent debt accumulation
+True revolving credit demonstrates responsible credit management

Cons

-$59 annual fee (may vary based on credit profile)
-High APR of 30.24%-35.99% makes carrying a balance expensive
-No rewards or cash back on purchases
-3% foreign transaction fee
-

Details & Terms

Payment Terms

Purchase APR	30.24%–35.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

Show all 6 protections

Medical identity monitoring

Complimentary HealthLock membership to monitor and protect your medical identity and data.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

$41 late payment fee

-Low initial credit limits ($300-$1,000)

Who It's Best For

Best For

✓People with fair credit who want an unsecured card without a security deposit
✓Those who cannot afford to tie up funds in a secured card deposit
✓Consumers looking to rebuild credit and graduate to better cards
✓People who want a true revolving credit line reported to bureaus
✓Those who can pay the balance in full each month to avoid high APR

Not Ideal For

✗People who carry balances due to 30.24%-35.99% APR
✗Those seeking rewards or cash back on purchases
✗International travelers (3% foreign transaction fee)
✗People with good credit who qualify for better options
✗Those who want to avoid annual fees

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

Show all 6 protections

Medical identity monitoring

Complimentary HealthLock membership to monitor and protect your medical identity and data.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

$41 late payment fee

-Low initial credit limits ($300-$1,000)

Who It's Best For

Best For

✓People with fair credit who want an unsecured card without a security deposit
✓Those who cannot afford to tie up funds in a secured card deposit
✓Consumers looking to rebuild credit and graduate to better cards
✓People who want a true revolving credit line reported to bureaus
✓Those who can pay the balance in full each month to avoid high APR

Not Ideal For

✗People who carry balances due to 30.24%-35.99% APR
✗Those seeking rewards or cash back on purchases
✗International travelers (3% foreign transaction fee)
✗People with good credit who qualify for better options
✗Those who want to avoid annual fees

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

Show all 6 protections

Medical identity monitoring

Complimentary HealthLock membership to monitor and protect your medical identity and data.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

$41 late payment fee

-Low initial credit limits ($300-$1,000)

Who It's Best For

Best For

✓People with fair credit who want an unsecured card without a security deposit
✓Those who cannot afford to tie up funds in a secured card deposit
✓Consumers looking to rebuild credit and graduate to better cards
✓People who want a true revolving credit line reported to bureaus
✓Those who can pay the balance in full each month to avoid high APR

Not Ideal For

✗People who carry balances due to 30.24%-35.99% APR
✗Those seeking rewards or cash back on purchases
✗International travelers (3% foreign transaction fee)
✗People with good credit who qualify for better options
✗Those who want to avoid annual fees