AvantCard Credit Card
$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 and reviews accounts for credit line increases. Pricing is set at approval: a $0-$125 annual membership fee, a $0-$10.42 monthly fee, a 29.99%-35.99% fixed APR and a $300-$3,000 credit limit. Foreign transactions cost 3%.
- Annual Fee
- $0 or $125/yr by version (set at approval)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0 or $125/yr by version (set at approval)
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Credit Required
- Poor to Fair
Earning Rates
- 0X
All Other
No rewards are advertised on the avant.com card page for the standard offer - designed for credit building
Benefits & Perks
Insurance & Protections
3 protections$0 fraud liability on all purchases
Complete protection from fraudulent charges—you never pay for unauthorized use
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.
Reviews & Analysis
How It Compares
An unsecured credit-building card for fair credit with a $0 deposit and 3-bureau reporting. Pricing is set at approval - $0-$125 annual membership fee, $0-$10.42 monthly fee, 29.99%-35.99% APR - and foreign transactions cost 3%. No rewards on the standard offer, but proactive credit line reviews make it a stepping stone.
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 from $300 to $3,000 (issuer range)
- +True revolving credit demonstrates responsible credit management
Cons
- -Annual membership fee of $0-$125 (applications on avant.com: $0-$75) plus a monthly fee of $0-$10.42, depending on the offer
- -High APR of 29.99%-35.99% makes carrying a balance expensive
- -No rewards or cash back on purchases
- -3% foreign transaction fee
- -$41 late payment fee
- -Minimum credit limit of $300 on applications submitted on avant.com
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 29.99%-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
Details & Terms
Payment Terms
| Purchase APR | 29.99%–35.99% |
| Cash Advance APR | 29.99%–35.99% |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
Video Reviews
8 videosAvant Credit Card Review 2025 | Worth It or Leave It?
$3,000 Avant Unsecured Credit Card. FICO 300+. Soft Pull OK. Mass Approval Now
Avant Credit Card Review 2025 | Pros and Cons
AvantCard Credit Card Review 2025 | Pros & Cons | Is it Worth it?
Avant Credit Card Review | Avant Cash Back Rewards Card Review | Is Avant Credit Card Legit
Avant Credit Card Review 2026: Is It Still Worth Your Money or a Total Letdown?
Avant Credit Card Honest Review - Is it worth it? (2025 Guide)
Third-Party Articles & Reviews
AvantCard Review: A Solid Starter Credit Card
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.
Avant Credit Card review: A decent choice with little added benefits
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.
Avant Credit Card Reviews: Is It Worth It? (2026)
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.
Best Credit Cards for Fair Credit
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.
Avant Credit Card Review
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.
Avant Credit Card Review: Is It Worth It?
SuperMoney's review with user ratings and detailed breakdown of Avant Credit Card's fees, APR, and comparison to other credit-building options.
Avant credit card reviews in 2025: Is it good?
Reddit community discussion about real-world Avant Credit Card experiences, approval stories, and whether the card is worth it for credit building.
Avant Credit Card: Build Your Credit Without a Security Deposit
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.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Avant Official | — | Avant Official |
| NerdWallet | — | NerdWallet |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page |