Our verdict: The AvantCard is an unsecured card for fair credit whose price depends on which channel your offer came through: website applicants see a $0–$75 annual fee at 35.99% APR, while the full published range runs to $125 a year, sometimes billed as $10.42 a month. There is no deposit, and the standard public offer earns no rewards. If you can fund a deposit, a secured card builds the same credit for less; if you cannot, read the fee on your specific offer before applying, because Avant will not state it in advance.
| Annual fee | $0–$75 for website applications; $0–$125 across all published offers; some offers bill it as $0–$10.42/month |
|---|---|
| Monthly fees | No separate monthly fee; the monthly figure some offers show is the annual fee divided by 12 |
| Purchase APR | 29.99%–35.99% depending on offer channel; website applications: 35.99% (no as-of date shown on Avant’s page) |
| Rewards | None on the standard public offers; 1%/2% cash-back and points versions exist only on certain offer variants |
| Credit check | Soft-pull prequalification; per Avant, checking if you qualify won’t impact your credit score |
| Reports to | Equifax, Experian, and TransUnion, monthly, the day after your billing due date |
| Starting limit | $300–$3,000 |
| Issuer | WebBank (“Avant branded credit products are issued by WebBank”) |
Terms verified August 26, 2026 against Avant’s own credit card page, fair-credit offer page, cardmember agreements, and credit reporting support article.
One card, several prices
Avant does not publish a single price for this card. The website application channel shows a $0–$75 annual fee and a 35.99% purchase APR. The fair-credit offer page shows the full range: $0–$125 a year and 29.99%–35.99% APR. Avant’s own wording: “Pricing may vary based on offers provided through different channels. If you received an offer in the mail, please refer to your letter.” The company maintains two separate cardmember agreement versions, and its support FAQ declines to state a fee number before you apply. The only fee that binds you is the one printed on your own offer.
Watch the monthly framing. Some offers express the annual fee as $0–$10.42 per month. That number reads small; it is the same money as roughly $125 a year. Multiply any monthly fee by 12 before deciding.
How the card works
Prequalification is a soft pull; Avant states that checking if you qualify won’t impact your credit score. Approved limits run $300 to $3,000. The card reports to Equifax, Experian, and TransUnion every month, on the day after your billing due date, per Avant’s support documentation. Avant also advertises “Proactive Credit Line Increases,” account reviews that can raise your limit without a request; it publishes no criteria for when or whether they happen. The standard public card earns no rewards. A rewards terms page shows 1% and 2% cash-back and points versions that exist only on certain offer variants, so expect no rewards unless your specific offer states them.
Who this card is for
- You have fair credit, cannot or will not tie up a security deposit, and hold an offer with a low or $0 annual fee
- You want three-bureau reporting from an open-application unsecured card and will pay in full monthly
Who should skip it
- Anyone who can fund a deposit: the Capital One Platinum Secured review covers a $0-annual-fee alternative, and the OpenSky Plus review covers a no-credit-check one; the cost math is in secured vs. unsecured
- Anyone holding an offer at the top of the fee range; $125 a year is nonrefundable, while a deposit comes back
- Anyone who might carry a balance at 35.99%
Check the current offer at Avant
Avant’s CFPB complaint record
Avant Holding Company, Inc. drew 997 CFPB complaints in the 12 months ending September 9, 2026, led by “Incorrect information on your report” (286), followed by “Problem with a purchase shown on your statement” (88) and “Fees or interest” (84). One caution on reading these figures: at our first pull (August 2026), the totals covered Avant’s credit card and personal-loan business combined, so the counts are not card-specific.
Methodology: raw complaint counts from the CFPB Consumer Complaint Database; figures on this page refresh automatically each week. Counts aren’t rates — the CFPB publishes no customer-base denominator, so don’t compare totals across companies of different sizes.
Frequently asked questions
How much is the AvantCard annual fee?
Avant publishes a range, not a number: $0 to $75 for website applications and $0 to $125 across all offer channels, with some offers billing the fee as up to $10.42 per month. Avant’s support pages decline to state a fee before you apply; the exact amount appears only in your specific offer.
What bank issues the Avant credit card?
WebBank. Avant’s own site states that Avant branded credit products are issued by WebBank.
Does the Avant card report to all three credit bureaus?
Yes. Per Avant’s support documentation, the card reports to Equifax, Experian, and TransUnion monthly, on the day after your billing due date.