Avant Credit Card
Written by Kenji NiwaEdited by Kenji NiwaOn Avant, LLC's site
The Avant Credit Card is an unsecured Mastercard issued by WebBank for people with fair or rebuilding credit. Limits run from $300 to $3,000, and Avant reports to all three credit bureaus. Fees and APR depend on how you apply.
On Avant, LLC's site
$300 to $3,000
Credit limit
$0 to $125
Annual fee
29.99% to 35.99% fixed
APR
Yes
Prequalify
The details
- Annual fee
- $0 to $125 ($0 to $75 if you apply on avant.com)
- Monthly fee
- $0 to $10.42 (some offers bill the fee monthly)
- APR
- 29.99% to 35.99% fixed (35.99% on avant.com applications)
- Credit limit
- $300 to $3,000
- Security deposit
- None
- Late fee
- Up to $41
- Foreign transaction fee
- 3% of each transaction
- Cash advance fee
- $10 or 3%
- Credit check
- Yes
- Prequalification
- Yes
- Bureaus reported
- Equifax, Experian and TransUnion (all 3)
- Issuer bank
- WebBank
Facts come from the issuer's own terms, checked October 12, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- Check if you qualify with no impact to your credit score.
- No security deposit and no over-limit fees.
- Avant reports to Equifax, Experian and TransUnion every month.
Cons
- Apply on avant.com and the annual fee is $0 to $75. Other offers can charge up to $125.
- Web applicants get a 35.99% APR. That is high if you carry a balance.
- Foreign purchases cost 3% each, and a late payment costs up to $41.
Compare Avant Credit Card to other no-deposit cards
- Credit limit
- $300 to $3,000
- Yearly fee
- $0 to $125
- APR
- 29.99% to 35.99% fixed
- Credit limit
- —
- Yearly fee
- $0
- APR
- 29.24% variable
- Credit limit
- Up to $3,000 to start
- Yearly fee
- $0 to $59
- APR
- 19.99%–33.99%
- Credit limit
- Up to $1,500 to start
- Yearly fee
- $0
- APR
- 27.99%–29.99%
Similar cards are picked automatically: same list, ranked by Firstcard editors' rating, whether or not Firstcard has a deal with them. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- High APR. Up to 35.99% is well above the U.S. average of 22.15% for cards that charge interest (Federal Reserve, Q2 2026). If you can't pay in full every month, a balance gets expensive fast.
- Low limit, so watch your credit use. On a $300 limit, a $90 purchase already uses 30% of your line, and high credit use can lower your score. Pay right after you buy, before your statement closes.
U.S. average APR on accounts assessed interest: Federal Reserve G.19, Q2 2026.
How credit use affects your score: myFICO on amounts owed.
How Firstcard works
Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.
How we rate. Our editors' rating for a credit card weighs three things. Can you get approved with no deposit and no credit history? What does the card really cost to hold? And does it report to the credit bureaus? Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.
Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.
Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
