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Unsecured credit card · WebBank / Avant

Avant Credit Card — direct website offer

A deposit-free option where the assigned annual fee and borrowing cost deserve a close look.

No security depositDirect website offerOffer-specific pricing
See current issuer offer ↗

Issuer terms checked 2026-10-15 · Our editorial approach

Annual fee$0–$75, determined by the direct offer
Purchase APR35.99% fixed for the direct website offer
Security depositNot required
Account typeUnsecured credit card
The CardsReviews take

Read the specific offer before the headline.

Avoiding collateral can reduce the initial cash commitment, but a recurring fee is a cost rather than a refundable deposit. This profile covers the standard direct-website offer, whose assigned annual fee and APR need to fit the repayment plan.

Consider it if: you need to compare an unsecured offer and understand the recurring cost.
What stands out

The advantages.

  • No security deposit.
  • The direct offer publishes an annual-fee range.
  • Account management through the Avant app and customer service.
What to weigh

The trade-offs.

  • The direct offer can charge a $75 annual fee.
  • 35.99% fixed APR for the checked direct offer.
  • No balance transfers; foreign transactions carry a 3% fee.
The offer, unpacked

Rates, rewards & requirements.

The details below describe the checked offer. Your assigned terms and eligibility may differ.

Rates & fees

Annual fee
$0–$75, determined by the direct offer
Purchase APR
35.99% fixed for the direct website offer
Introductory APR
No introductory APR advertised in the checked offer
Balance transfer fee
Not available — AvantCard does not support balance transfers
Foreign transaction fee
3% of each foreign transaction in US dollars
Cash advance APR
35.99% for the checked direct offer; other agreement variants show 29.99%–35.99%
Cash advance fee
Greater of $10 or 3%; limited to 25% of credit limit
Late payment fee
Up to $41 under the linked agreement
Returned payment fee
Up to $25
Overlimit fee
None
Minimum interest charge
$1 if interest is charged
Purchase grace period
Due date at least 24 days after closing; pay full balance on time
Annual fee timing
Can be assessed before first use and reduce available credit

Rewards & account essentials

Rewards
No rewards included in this checked standard AvantCard offer
Welcome offer
No welcome bonus advertised in the checked offer
Security deposit
No security deposit
Credit limit
Direct website minimum: $300; general advertised range $300–$3,000, subject to the specific offer
Put the terms side by side

Other cards to consider.

Account types and approval requirements differ. This comparison does not predict which card you can obtain.

A closer look

How it works in real life.

Start with the exact offer

Avant publishes several pricing structures. This profile covers the standard direct-website offer rather than a mail invitation, introductory annual-fee variant or cashback product. A number from one of those other offers should not be substituted into this comparison. Read the rate-and-fee summary attached to your own account.

The annual-fee range is not a $0 promise

A hypothetical $300 limit with a $75 opening annual fee would leave $225 of available credit before purchases or other charges. The account would still have a $300 credit limit, but not $300 available to spend. That distinction matters when comparing an unsecured card with a secured alternative: one uses a fee that is a cost; the other may tie up a refundable deposit.

Compare a normal year, not just initial access

Write down the annual fee you are offered, the expected borrowing cost and the total credit you need for ordinary purchases. An account that avoids a deposit may still be expensive if recurring fees consume a meaningful part of a small limit. Opening a card should fit a repayment routine you can sustain without treating the limit as extra income.

A borrowing example

At the direct offer’s 35.99% APR, a hypothetical constant $500 balance implies roughly $15 of monthly interest using APR divided by twelve. Actual charges follow the account’s average-daily-balance method. That approximation is useful for scale: a few months of interest can outweigh a modest difference in annual fees.

Know which transactions are supported

Avant’s support information says AvantCard does not allow balance transfers. It should therefore not be selected as a way to move a debt from another card. A cash advance is a separate, costly transaction and is limited to a portion of the credit line. Do not treat the two transaction types as substitutes.

Alternatives to compare

If you can set aside collateral, compare the fee and cash commitment with Capital One Platinum Secured or Discover Secured. Different application requirements still apply; the comparison does not predict an approval decision.

Questions before applying

Will every applicant receive the $0 annual fee?

No. The direct offer publishes a range and assigns the actual fee.

Does this profile describe every Avant credit card?

No. Compare the named offer version and its agreement; rewards and pricing can differ across products and channels.

Is the fee refundable collateral?

No. An annual fee and a security deposit serve different purposes.

Editorial profile prepared October 15, 2026. Examples are hypothetical and do not predict approval, an assigned limit or a personal outcome. Editorial review is pending.

Transparent by design

Sources & offer notes.

Product facts come from issuer sources. Our commentary and hypothetical examples explain the trade-offs.

This profile covers the direct website offer and the All Other Cards agreement, not mail offers, introductory-fee variants or Avant cashback products. Annual fee is $0–$75, set by the offer; do not assume $0.