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Avant Credit Card Review

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Reviews 17,552

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Michael Graw
Michael Graw
May. 03, 20214 min read

Avant summary

Avant is an online financial services provider founded in 2012. The company provides access to personal loans and a credit card designed to help individuals with little to no credit history build their credit. There are no hidden fees, no penalty APR and no security deposit required. There is an annual fee of $59, but the Avant Credit Card allows you to build your credit score by making your payments on time.

Pros

  • No security deposit required
  • Available to individuals with little credit history
  • Reports to all three major credit bureaus

Cons

  • Comes with an annual fee
  • No rewards program

Avant at a Glance

Fees$59 annual fee
RewardsN/A
Minimum Credit ScoreNone
APR24.99% (variable)
Welcome BonusN/A
Card TypeMastercard
Suitable ForBuilding credit

Avant Avant Apply Now

Overview

The Avant credit card is designed to help individuals with poor credit or little credit history build up their credit score. There is no security deposit required, and you don’t need a cosigner to apply for the card.

The card offers a credit limit from $300-$500 to help you more easily pay off your balance each month. In addition, Avant reports your on-time payments to the three major credit bureaus so that your credit can rise over time. 

Suitable for?

The main reason to use the Avant credit card is to build up your credit. If you have little or no credit history or damaged credit, you can use the Avant credit card to establish a history of on-time payments. It can be particularly helpful for college students or other individuals who are building their credit for the first time.

The Avant credit card also stands out for how easy it is to manage. You can make payments and review your transactions 24/7 from an online dashboard or the Avant mobile app. There are no hidden fees, and you’re not responsible for unauthorized charges that result from fraud. If you travel, the Avant credit card comes with zero foreign transaction fees.

Interest Rates and Fees

The Avant credit card comes with an annual fee of $59. There are no foreign transaction fees or any other hidden fees. If you are late making a payment, Avant can charge a late fee of up to $59. The credit card comes with an interest rate of 24.99% (variable).

Annual Fee
Foreign Transaction Fee
Late Fee
APR
$59
$0
Up to $39
24.99% (variable)

Rewards & Cashback

The Avant credit card doesn’t offer a rewards program or introductory offer at this time. 

The Application Process

You can apply for the Avant credit card online. 

To get started, you’ll need to enter some basic personal information, including your name, address, email, and social security number. You’ll also have to consent to a soft credit check. If you qualify, Avant will offer you an annual fee and APR. Once you accept the offered terms, Avant will mail you your card within 7-10 days.

Help & Support

You can contact Avant’s customer support team by phone or email from 7am-10pm (CT) Monday to Friday or 7am-8pm Saturday and Sunday. Avant also has a detailed FAQs page where you can find answers to common questions about the credit card.

Phone call hours: 7am-10pm (CT) Monday-Friday; 7am-8pm Saturday and Sunday.

Security

Avant uses bank-level SSL (Secure Socket Layer) encryption to secure your credit card application. The Avant credit card comes with an EMV chip for transaction security.

You’re not responsible for unauthorized transactions resulting from fraud and you have access to identity monitoring and a fraud resolution team.

FAQ

Does Avant offer autopay?

Yes, you can set up autopay for your Avant credit card to automatically pay your minimum due or your total statement balance.

Can I request a credit increase?

Avant offers credit lines of up to $3,000. You can request a credit increase through your Avant dashboard after 6 months of use.

What happens if I lose my Avant credit card?

You can call Avant to deactivate your card if it is lost or stolen. You are not responsible for fraudulent charges on your card.

Conclusion

The Avant credit card can help individuals with little or no credit history build up their credit. The card doesn’t require a cosigner or security deposit. You can get a credit line between $300 to $500 and easily manage your card from the Avant web dashboard or mobile app.

Avant Avant Apply Now

Methodology

This review is based on the Avant website, online application, and terms sheet for the Avant credit card.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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Trustpilot reviews

See what some costumers are saying about Avant
Avant
ExcellentReviews 17,552
on
Excellent
81%
Great
11%
Average
3%
Poor
1%
Bad
4%
  • author
    Margaret Chicerelli
    a day ago
    Fast easy great card

    Fast easy great card

    ...

  • author
    Alex Drake
    2 days ago
    Fantastic and fast

    Fantastic and fast

    ...

  • author
    Shainka J
    2 days ago
    Easy and fast process

    Easy and fast process

    ...

  • author
    Ericka D
    2 days ago
    they approve my loan quickly

    they approve my loan quickly

    ...

  • author
    Harout Gasparian
    2 days ago
    Amazing card and service!!

    Amazing card and service!!! Highly recommend! They actually care about the customer.

    ...

  • author
    Dewey L
    2 days ago
    Very good and fast

    Very good and fast

    ...

  • author
    Kayla P
    2 days ago
    It’s easy to use the website and to…

    It’s easy to use the website and to upload what is needed. But from start to finish it took 5 days before I actually got my money in my bank account. Over all it’s a good company but the process is a little long specially people that are asking for a loan needs the money ASAP..

    ...

  • author
    amanda
    2 days ago
    Easy to deal with

    I have had three loans total (2 refi’s) with Avant. Their app is easy to use and understand where I’m at on my loan. It is easy to move payments if I need to also. They are easy to reach by phone if I can’t do what I need to on the app. Pretty satisfied with their service and accessibility.

    ...

  • author
    Lestine S
    2 days ago
    Excellent service

    Excellent service. Good process and quick and efficient.

    ...

  • author
    Branton W
    2 days ago
    They was awesome

    They was awesome

    ...

  • author
    Frederick Bricker
    2 days ago
    AVANT,FLAT ROCKS

    AVANT,FLAT ROCKS, I HAD AN UNEXPECTED HOME ISSUE & AVANT WAS PROFESSIONAL,FAST & GOT ME FUNDED THANK YOU FRED BRICKER

    ...

  • author
    Susannah G
    2 days ago
    Timely and honest

    Timely and honest, as far as I am concerned you may be trusted when it comes to hidden agendas

    ...

  • author
    James B
    2 days ago
    The application process went quickly…

    The application process went quickly and I was approved the same day and received my money the next day. Everything went smoothly.

    ...

  • author
    Karlie Klum
    2 days ago
    Really awesome customer service

    Really awesome customer service. Super helpful & seamless services. They really take care of their customers

    ...

  • author
    Jeanette S
    2 days ago
    last year I needed to get a loan to pay…

    last year I needed to get a loan to pay my income taxes and pay off my car loan. Avant loaned me the money I needed and it was easy to do. This year they let me refinance for a lower payment. Thanks a bunch!!

    ...

  • author
    Tai L
    3 days ago
    100% recommend👍

    100% recommend👍

    ...

  • author
    George R
    3 days ago
    easy to apply after filling application…

    easy to apply after filling application and getting a approval easy and quick THANK YOU

    ...

  • author
    Robert
    3 days ago
    nicely done

    nicely done people

    ...

  • author
    Melissa S
    3 days ago
    Easy to apply and the representatives…

    Easy to apply and the representatives are great to work with. Once approved, usually within 24 hrs, super quick to get your funds. I would definitely use Avant and recommend them!

    ...

  • author
    Yvonne P
    3 days ago
    Great service

    Great service Quick response

    ...

  • author
    Sigrid
    3 days ago
    Excellent company to deal with

    Excellent company to deal with, prompt, efficient and trustworthy. I highly recommend them.

    ...

  • author
    brian Arriola
    3 days ago
    Great credit card company

    Awesome customer service. Super helpful and fast and they really take care of their customers

    ...

  • author
    Jerry
    3 days ago
    so far very good

    so far very good

    ...

  • author
    Cameron
    3 days ago
    So far so good.

    So far so good.

    ...

  • author
    Whitney Kirkland
    3 days ago
    THANK YOU !!!!

    THANK YOU !!!!

    ...

  • author
    Daniel R
    3 days ago
    I was hoping this would help my credit

    I was hoping this would help my credit. I’ve made all my payments on time or ahead of schedule for the last 3-4 months and have not received a credit increase nor do I want one now. I’ll pay it off and close it. I’ve got many other offers that are more appealing and with better rewards. Thanks though. I appreciate it.

    ...

  • author
    Tina L
    3 days ago
    I had no issues with card or use of it.

    I had no issues with card or use of it.

    ...

  • author
    Missy G
    4 days ago
    Helped when I needed it the most...

    They took a chance on me and my god-awful credit score and I will always appreciate their confidence in me !

    ...

  • author
    Jenn D
    4 days ago
    Excellent card

    Excellent card. Started at a high enough limit and if my payments are on time, my limit will be double in 6 months . What else can I ask for in a card.What more can I ask for. APR is great!!!!!!!

    ...

  • author
    Jeffry S
    4 days ago
    Thank you for doing business with me!

    Thank you for doing business with me! The only item to have is a app for accessing my account. Many thanks for giving me account with Avant!

    ...

  • author
    Carol R
    4 days ago
    I am grateful for the card

    I am grateful for the card, the customer service however is terrible. I requested a charge stopped, the next morning I realized I was aware of the charges. I spoke with several people and emailed. I recieved a voicemail advising me the merchant was providing information to confirm the charge. I called advised of what was going on and asked for a callback never received. Last week I received letter saying due to the merchant information charge is being paid. This has effected my business with the merchant, terrible customer service!

    ...

  • author
    Joshua K
    4 days ago
    Good card....just dont know why im not…

    Good card....just dont know why im not up for a credit limit increase yet.....all my other cards have over 1000 dollars limits

    ...

  • author
    Kathy Rentz
    4 days ago
    It's easy to apply

    It's easy to apply. Pretty easy to get approved.

    ...

  • author
    John C
    4 days ago
    What fast and easy process to apply and…

    What fast and easy process to apply and sign up. Very satisfied with service.

    ...

  • author
    Shane E
    4 days ago
    Very satisfied!

    Very satisfied with your card and terms.

    ...

  • author
    Elizabeth K
    4 days ago
    Excellent and super prompt service!!

    Excellent and super prompt service!!! Thank you!!!

    ...

  • author
    Reen
    4 days ago
    Avant- is a great card.

    Avant- is a great card.

    ...

  • author
    Happy Customer
    4 days ago
    Great Start

    As I work to rebuild my credit, Avant has been phenomenal in that journey. Thank you for helping me get my life back on track!

    ...

  • author
    Victor Garcia
    4 days ago
    So far good experience with them

    So far good experience with them , 👍🏻

    ...

  • author
    Eddie G
    4 days ago
    So far Avant is great for me

    So far Avant is great for me, everything seems to be just find. Once i have been with the card company for one year i expect them to extend my credit limit, right now i have 300.00 i at lease would like to have $1000.00.

    ...

  • author
    Velma P
    4 days ago
    They didnt tell the truth about paying…

    They didnt tell the truth about paying on time will increase your creidt.

    ...

  • author
    Julian Washingtion
    4 days ago
    Horrible Service

    Horrible Service, I was approved for my card July 5th 2021 and never received it. I Moved and contacted Avant on August 1st to change my address they approved the address change and said wait up to 10 days to receive my card. On Aug 19 i received and email asking why i haven't activated my card, i responded because i never received it. On August 20th i receive another email stating the "This is just a friendly reminder that your AvantCard payment is due on August 25, 2021". I'm confused to how i owe a payment on something i haven't even received. I Contact Avant Via Phone afterwards and they say they are sending it to my new address that they are changing Again which they already said they did. and by September 10th i hadn't received the card still and i decided to cancel the account because i don't want to be charged for something i don't have and seems like i wont ever receive.

    ...

  • author
    Christopher Taylor
    4 days ago
    Applying for a credit card with Avant…

    Applying for a credit card with Avant was simple. I applied and approved! I’ve had 2 credit increases since applying for this great company. I recommend if your having credit challenges. Good luck and get on board!!

    ...

  • author
    Darrin Terrones
    4 days ago
    Excellent service

    Excellent service

    ...

  • author
    Terry H
    Sep 19, 2021
    This card sucks...everytime I try to…

    This card sucks...everytime I try to use it, it is locked. .try to unlock it via email but always end up having to call customer service to unlock my card..then I try to use it and the something happens again ..going to pay it of and cut it up...im fed up with the hassle

    ...

  • author
    Lensy Ordaz
    Sep 19, 2021
    Tengo duda si es de fiar

    Tengo duda si es de fiar ya que me están pidiendo de deposito el 5%....

    ...

  • author
    Belinda M Gilmartin
    Sep 19, 2021
    I have really enjoyed the phone app…

    I have really enjoyed the easy to use app to make and schedule o time and early payments. The interface is very user friendly and always keeps you making payments on time. Thanks for all your positive support !!!

    ...

  • author
    Gordon Edelstein
    Sep 19, 2021
    Avant extended credit to me at a time…

    Avant extended credit to me at a time when not many others would. The mobile app is great, convenient to use for 99.9% of all transactions. Highly recommend.

    ...

  • author
    Ann Jones
    Sep 18, 2021
    Love this card- easy limit increase…

    Love this card- easy limit increase within a few months

    ...

  • author
    Kimberly Lewis
    Sep 18, 2021
    Great card

    Great card. In less than a year I was given a credit increase. Out of the blue. Started with an good credit limit and now a great credit limit. Thanks Avant Card

    ...

  • author
    Outlander
    Sep 18, 2021
    The service has been very good.

    The service has been very good.

    ...

  • author
    Willie Johnson
    Sep 18, 2021
    This is a great card in all aspects…

    This is a great card in all aspects especially customer service. If you make payments on time, they will reward you.

    ...

  • author
    JULIAN BLAND
    Sep 18, 2021
    It has been positive

    It has been positive. Great card to have.

    ...

  • author
    Elrodney W
    Sep 18, 2021
    Its a great card to have

    Its a great card to have. By far best card I ever applied for hands down! Really excited I have a card with Avant!!

    ...

  • author
    Andrea G. Razo Hernandez
    Sep 17, 2021
    Falso.. Robo de dinero

    Pésimo servicio.... La app te pide hacer un deposito de cierta cantidad para validar tu cuenta antes de según depositarte el préstamo. Haces el deposito y jamas aparece nada... Te comunicas con soporte y solo te dan vueltas que no se ha hecho y pides un reembolso y te siguen dando vueltas.... Solo te roban tu dinero.. No caigan en ese engaño!

    ...

  • author
    Stacie Perry
    Sep 17, 2021
    I was truly pleased

    I was truly pleased with the easy ability to apply for this card. I feel it is an excellent fit for my growth and development!!!❤❤ Thank you!

    ...

  • author
    Jesse C colone
    Sep 17, 2021
    great service

    great service

    ...

  • author
    Anon Terra
    Sep 17, 2021
    Do Not Recommend

    Made a payment to my account. Account was updated that it had been paid but now Avant is saying my account is past due. Will not be recommending this card to anyone.

    ...

  • author
    Marilyn Cabana Sypit
    Sep 17, 2021
    How come every time I try to use my…

    How come every time I try to use my card it gets declined?

    ...

  • author
    Anthony M
    Sep 16, 2021
    I'm rebuilding my credit with Avant's help

    I'm rebuilding my credit but Avant still gave me a credit card. Thank you!

    ...

  • author
    Judi Adams
    Sep 16, 2021
    Great credit card to build up your…

    Great credit card to build up your credit. The application process was easy and fast!

    ...

  • author
    Gloria S
    Sep 15, 2021
    very happy with Avant.

    very happy with Avant.

    ...

  • author
    Eric Cole
    Sep 15, 2021
    Very straightforward company

    Very straightforward company, happy to do business. Thank you for trusting and giving me my 2nd credit line increase!!

    ...

  • author
    Harry C
    Sep 15, 2021
    Was easy to apply

    Was easy to apply. Was approved very quickly.

    ...

  • author
    Walter Martin
    Sep 15, 2021
    Avant is a very good charge card

    Avant is a very good charge card. They watch the activities on your card and notify you if something doesn't look right. This prevents fraud on my card. Would recommend Avant to friends and family.

    ...

  • author
    Isatah D
    Sep 15, 2021
    I just became a member an Avant card…

    I just became a member an Avant card holder very recently. So far, all the representatives have been very cautious.

    ...

  • author
    DeShawn Dunbar
    Sep 15, 2021
    I had a great experience.

    I had a great experience. Looking forward to receive my Avant card. Then I’ll send another update as well. It was very easy to apply and I was very happy to get approve and start building my credit.

    ...

  • author
    Terry M
    Sep 15, 2021
    Awesome card

    Awesome card

    ...

  • author
    Maria
    Sep 15, 2021
    maintain good payment record

    I use this card for paying monthly bills for just 2 companies. Consistent of paying on or before the due date and my credit limit was increased that fast. I will keep good record in paying.

    ...

  • author
    Edgar GC
    Sep 15, 2021
    Fraude total te piden depositar y…

    Fraude total te piden depositar y despues te acusan de haberte equivocado en datos y te congelan tu deposito es robo totalmente

    ...

  • author
    Anne Anderson Benevento
    Sep 14, 2021
    Excellent Credit Card

    This is a good card to keep in your RFID wallet for any purchases you might want to pay for while shopping.

    ...

  • author
    Chris R
    Sep 14, 2021
    Great service and easy to control ur…

    Great service and easy to control ur own account.

    ...

  • author
    Anthony B
    Sep 14, 2021
    Good love peace

    Good love peace

    ...

  • author
    Christian G
    Sep 14, 2021
    I'm generally pleased with this card

    I'm generally pleased with this card. The website seems a little thin on options that we can take care of ourselves though.

    ...

  • author
    Paula c
    Sep 14, 2021
    I had a good experience with my…

    I had a good experience with my customer service rep. Very professional.

    ...

  • author
    Cathy B
    Sep 14, 2021
    great card to have it will help with…

    great card to have it will help with christmas

    ...

  • author
    Marty L
    Sep 14, 2021
    Avant has a good

    Avant has a good, easy app to use. All the info you need is rite there. I got turned down for a few credit cards when Avant gave me a chance to improve my credit.

    ...

  • author
    Tiffany G
    Sep 14, 2021
    I think it would great if you all can…

    I think it would great if you all can post payment to the account quicker.

    ...

  • author
    Rosie D
    Sep 14, 2021
    I love the card and its easy to…

    I love the card and its easy to navigate website. I will recommend this card to others.

    ...

  • author
    Giggleshere
    Sep 14, 2021
    Building credit

    Avant gave me a card when others wouldn't. No interest if paid off and no annual fees. And they already raised my limit without asking because I keep it paid off. Thanks for helping me build my credit! I am glad I have this card!

    ...

  • author
    Robert McPherson
    Sep 14, 2021
    Asked for a credit line increase and…

    Asked for a credit line increase and was immediately approved. Thanks Avant.

    ...

  • author
    Rhonda
    Sep 14, 2021
    Quick and easy approval

    Quick and easy approval. Knowledgeable and Courteous customer Service. Great product

    ...

  • author
    Joseph F
    Sep 14, 2021
    Great Card and I love it

    Great Card and I love it. but credit limit is kind of low.

    ...

  • author
    Sandra T
    Sep 14, 2021
    So far so good

    So far so good. Great communication with the customer service.

    ...

  • author
    Lisa
    Sep 14, 2021
    I have not had any problems

    I have not had any problems. Account is easily accessible online.

    ...

  • author
    NORMA
    Sep 14, 2021
    Extremely Pleased

    I am very pleased with Avant. I have had no problems with either my purchases or my payment. Please continue the great work. Take care and stay safe.

    ...

  • author
    Allen
    Sep 14, 2021
    quick approval and quick posting of…

    quick approval and quick posting of activities.

    ...

  • author
    Joda
    Sep 14, 2021
    Yearly fee

    Not happy with yearly fee

    ...

  • author
    Ronald P
    Sep 14, 2021
    Customer service as great

    Customer service as great

    ...

  • author
    Maysa K
    Sep 14, 2021
    hi good

    hi good very good

    ...

  • author
    Mark P
    Sep 14, 2021
    Grateful

    I'm grateful for the opportunity that Avant has given me to reestablish my credit. Everything they have said has been true. The integrity of the company is A+...

    ...

  • author
    Maggie C
    Sep 14, 2021
    Just got the card haven’t had time to…

    Just got the card haven’t had time to experience any thing about it.

    ...

  • author
    Carla B
    Sep 14, 2021
    Great Service

    Convenient and useful

    ...

  • author
    Ralph Maddox
    Sep 14, 2021
    Very courteous and professional

    Very courteous and professional. I had an issue with a charge and they dealt with it very quickly.

    ...

  • author
    Rebecca
    Sep 14, 2021
    You gave us a chance when no one else…

    You gave us a chance when no one else would. We appreciate the opportunity to prove ourselves.

    ...

  • author
    tomika
    Sep 14, 2021
    Avant has given me an opportunity to…

    Avant has given me an opportunity to help build my credit when others would nt

    ...

  • author
    Peggy
    Sep 14, 2021
    No yearly fee to have this card

    No yearly fee to have this card! Nice!

    ...

  • author
    Charles W
    Sep 14, 2021
    They were very helpful when I need a…

    They were very helpful when I need a detailed information on my account and explained everything thoroughly to me. And I spoke to a person not a computer. Highly recommended.

    ...

  • author
    Donna A
    Sep 14, 2021
    I love my card and the easy online…

    I love my card and the easy online payments.

    ...

  • author
    Larry Bridges
    Sep 14, 2021
    I think Avant is a good company to be…with.

    I think Avant is a good company to be with . So far my experience with them has been good . I would recommend them to my friends .

    ...

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