MastercardAvant Credit Card
A plain unsecured builder card with one honest fee and no gotchas.
Welcome Bonus
None
No welcome bonus; annual fee of $0 to $75 assigned at approval
Spend Requirement
None
Annual Fee
$39
No FTF
Credit Score
Poor
to Fair (550+)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards: this card is purely for building credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No deposit, no monthly fees, no application fee
- ✦Annual fee runs $0 to $75 depending on creditworthiness, typically $39
- ✦No foreign transaction fees
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Far cleaner fee structure than Credit One or the Concora cards
- +No foreign transaction fees, rare in this tier
- +Soft-pull pre-qualification
Where it costs you
- −APR up to 35.99%
- −No rewards
- −Annual fee is still money for nothing a secured card would not charge
The Compound Verdict
If you must go unsecured with damaged credit, this is the least punishing way to do it: one transparent annual fee instead of the layered fee stacks Credit One and Concora run. A no-fee secured card is still cheaper, but as subprime unsecured cards go, Avant plays it straight.
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