Avant Credit Card
By Alex Compton · Last verified
A plain unsecured builder card with one honest fee and no gotchas.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: this card is purely for building credit
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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