Avant Credit Card
By Alex Compton · Last verified
A plain unsecured builder card with one honest fee and no gotchas.
Welcome Bonus
None
No welcome bonus; direct website approvals carry a $0 to $75 annual fee, $300 minimum line and 35.99% APR
Spend Requirement
None
Annual Fee
$75
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; direct website approvals carry a $0 to $75 annual fee, $300 minimum line and 35.99% APR | Avant Credit Card product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; annual fee of $0 to $75 assigned at approval | Archive record · no attached snapshot |
| 2023-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Direct website approvals: $0-$75 annual fee, $300 min line, 35.99% APR; other channels up to $125 intro fee and monthly-billed fees up to $10.42
Fields: annualFee, benefits, cons
Avant Credit Card product page and cardmember agreement summary →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Embed this chart on your site (free, with attribution)
Bloggers and journalists: paste this snippet to embed the live, auto-updating bonus history chart. Attribution to Credit Compound is included in the widget.
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 security deposit and no application fee
- ✦Cards approved directly on Avant's website carry a $0 to $75 annual fee, a $300 minimum line and a 35.99% APR
- ✦Credit limits range from $300 to $3,000
- ✦No foreign transaction fees
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Direct website approvals carry one annual fee of $75 or less
- +No foreign transaction fees, rare in this tier
- +Soft-pull pre-qualification
Where it costs you
- −APR of 29.99% to 35.99%, and 35.99% on direct website approvals
- −Mail and partner offers can carry intro fees up to $125 and later fees billed monthly up to $10.42
- −No rewards on the standard website offer
The Compound Verdict
If you must go unsecured with damaged credit, the version you apply for directly on Avant's website is the one to take: a single annual fee of $75 or less, a $300 minimum line and a 35.99% APR. Mail and partner offers can be pricier, with intro fees up to $125 and monthly-billed fees later, so read the terms on any offer letter. A no-fee secured card is still cheaper.
Rate this card
Be the first to rate it
Commentson AvantCard
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.