Reviews
Avant Credit Card Review: Boost your credit!
Explore the Avant Credit Card through this in-depth review. Learn about its low fees, quick application process, and credit-building features.
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A credit builder that doesn’t hide fees
No more shady cards. Here’s a comprehensive review of the Avant Credit Card. We brought a friend to introduce to you. It is a credit builder with low fees and low annual fees.
In a credit-building moment, you need a good ally. Find out what truly matters about the Avant Credit Card. And most importantly, what might not be so great about his card?
Credit Score | From 600; |
Annual Fee | $39; |
Purchase APR | 35.99%; |
Cash Advance APR | 35.99%; |
Welcome Bonus | N/A; |
Rewards | N/A. |
How does the Avant Credit Card work?
It’s crucial for you to know that for requests made directly through the official Avant Credit Card website, your annual fee won’t exceed $40. This offer seems to be limited, so stay vigilant.
By placing this order through the website, you also secure a minimum limit of $300. It’s a highly dynamic model, thanks to Avant’s modern approach. It’s all digital and fast!
Now, for requests made through other channels, the annual membership fee is $39. There are many possibilities to get an Avant Credit Card, but there’s the best one!
Another interesting advantage of applying through Avant Credit Card is that this request won’t result in a decrease in your credit score. That’s crucial for you, right?
Yes, this card was designed for you to build your credit, not the other way around—meaning it won’t harm your score. You’ve been working hard for this. Here’s a new tool to help!
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Avant Credit Card pros and cons
Take a close look at the two lists below. They comprise the core of this review on the Avant Credit Card. Through this analysis, you’ll be able to reach an accurate conclusion. It’s there!
Pros
- Free Credit Report: The Avant Credit Card’s focus is to help you build your credit. Therefore, your payment reports will be sent free of charge. This way, credit agencies will be updated with the good news!
- 24 days with no interest: During this period, no interest will be charged on your purchases. Just make sure to pay off your entire balance by the due date each month. Otherwise, the full interest will be charged from the date of purchase.
- International transactions are free: No fees will be charged for foreign transactions.
- Quick application: Thanks to the checking model used to approve the Avant Credit Card for you, there will be a really fast response to your application. How you find out if you’re approved or not is almost automatic.
- No surprises: The official Avant Credit Card website makes it clear that there will be no surprise fees throughout your relationship with the card. In other words, aside from the fees mentioned in this review, you won’t have to worry about unpleasant surprises.
- Comfort for the impatient: You’ll be notified when new credit lines are available to you. Therefore, without anxiety, you’ll know when the higher limit is approved.
Cons
- Avoid paying two annual fees: The fee for late card payment is $39. The same amount you pay as an annual fee when applying for the Avant Credit Card through the website. So, be vigilant to avoid having your annual fee “duplicated.”
- High fee for cash advances: Let’s say you advance $10. You will pay the same $10 in fees alone! And if the 3% of the amount of the cash advance exceeds $10, that’s what will be charged. Keep an eye out and stay sharp!
Does my credit score need to be good?
Avant does not publicly disclose the credit score requirements for its credit cards.
However, based on research conducted by our team, the minimum credit score needed for approval for the Avant Credit Card can be estimated to be between 600 and 700.
Requirements
- Minimum Credit Score: Fair to average (580-669), though approval depends on overall creditworthiness and financial history.
- Age Requirement: Must be at least 18 years old or legal age in their state of residence.
- U.S. Residency: Only available to U.S. residents with a verifiable residential address; P.O. boxes are not accepted.
- Stable Income: Must have a reliable source of income to support monthly payments and maintain account activity.
- Debt-to-Income Ratio: Applicants with lower debt relative to income have better chances of approval.
- No Recent Bankruptcies: Applicants with recent bankruptcies or severe delinquencies may not qualify for the Avant Credit Card.
- Valid Identification: Must provide a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- No Delinquent Avant Accounts: Prior defaults on Avant loans or credit cards may result in disqualification.
- Pre-Qualification Option: Check eligibility without a hard credit inquiry, minimizing impact on credit score.
- Hard Credit Inquiry: A full application requires a hard credit check, which temporarily affects credit score.
- Agreement to Terms: Must accept Avant’s terms, including interest rates, fees, and payment responsibilities.
Apply online
Firstly, visit the official website of the Avant Credit Card. Once you’ve acquainted yourself with the card through our informative materials, go straight to the button. Click on “See if you qualify.”
It will then be time to fill out the application form. Do this carefully and ensure that your information is accurate. Finally, submit your application. See that how to apply is quite easy.
In just a few minutes, you’ll know if your application matches the Avant Credit Card. You will be notified by email whether your application is approved or denied.
Afterward, simply wait for the mail carrier. Receive your card at last. You should get your credit card in about two weeks. And it may not take that long to arrive.
It’s worth remembering that if you received a special offer email, there’s something unique for you. This might affect the amount of your annual fee. Make sure to provide this information.
Apply using the app
There is a mobile app from Avant that allows you to apply for the Avant Credit Card. This app is available for download on the App Store and Google Play. Anyway, the process will be simple.
The app can also be used to manage your Avant account, including checking your balance transaction history and making payments. Avant is known for its technology and modernity.
Avant Credit Card vs. FIT™ Platinum Mastercard®
If you’re looking to build your credit, you should definitely consider good options. So read on and discover another amazing credit card!
Avant Credit Card | FIT™ Platinum Mastercard® | |
Credit Score | Fair; | Poor/Fair; |
Annual Fee | $39; | See Terms; |
Purchase APR | 35.99%; | 35.90% fixed; |
Cash Advance APR | 35.99%; | 35.90% fixed; |
Welcome Bonus | N/A; | None; |
Rewards | N/A. | None. |
So, let’s review the details of the FIT™ Platinum Mastercard®. It’s a card with interest rates similar to the Avant Credit Card but with some pleasant surprises.
FIT™ Platinum Mastercard® Review
If you're having trouble getting a credit card because of a poor credit score, check the FIT™ Platinum Mastercard® terms in this review.
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