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Avant Money review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Avant Money suits people who clear the balance each month. The annual fee is €0 and cashback runs at 5% groceries and fuel first 12 months, while borrowing costs an APR of 20.8%, so this is a spending card, not a card for carrying debt.

Key facts

Best for
Clearing the balance each month while earning cashback on groceries and fuel
Annual fee
€0 (Source, checked September 26, 2026)
APR
20.8% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
5% groceries and fuel first 12 months (Source, checked September 26, 2026)
Balance transfer intro period
6 months (Source, checked September 26, 2026)
Cashback rate
5% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
AVANTCARD DAC (Source, checked September 26, 2026)
Headquarters
Ireland (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
avantmoney.ie

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • The annual fee is €0, so there is no charge for keeping the card open
  • Rewards are paid as 5% groceries and fuel first 12 months, in cash rather than points
  • The APR of 20.8% sits close to the 20.85% across the credit cards on our data
  • A balance transfer intro period of 6 gives a defined window for clearing an old balance

Cons

  • Credit is charged at an APR of 20.8%, above the 19.29% recorded for the rewards group we track
  • Support runs on a help centre only, so a help centre is the route for any question
  • The cashback runs on the opening period only, as 5% groceries and fuel first 12 months shows, so it is not a standing rate
Avant Money

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Who it suits

  • Anyone who pays the card off in full each month and wants no fee for holding it
  • Households that spend on groceries and fuel and value a simple cashback rate
  • Borrowers tidying an old balance inside the 6 intro period

Who should look elsewhere

  • Anyone who wants the secured card route of the Chime Card (Secured Visa Credit Card) or the Varo Believe Secured Credit Card, because this is a plain credit card charging an APR of 20.8%
  • People who want phone or email help, because support runs on a help centre
  • Anyone expecting rewards beyond the opening period set out in 5% groceries and fuel first 12 months

Fees and FX

The card is a credit card, so the number that matters most is the rate paid when money is borrowed, and that is an APR of 20.8%. It reads close to the 20.85% across the credit cards on our data, so the pricing is ordinary for a revolving balance rather than a low rate card. The annual fee is €0, and the card is listed under a no annual fee model, which means holding it costs nothing. Those two lines together decide the running cost: clear the balance in full and the card costs nothing to keep, leave money on it and interest builds at the published rate. Anyone spending outside Ireland should read the card terms for how a foreign purchase is converted, since the cost of that travels through the rate the account applies rather than a stated charge on the card.

How it compares on our data

Where Avant Money stands apart from the cards next to it is the absence of a fee. With an annual fee of €0, the card sits at position 1 of 301 brands ranked on that measure, which is the clearest strength in the profile. Borrowing tells a different story: the APR of 20.8% places it at position 66 of 133 brands on that measure, so it is a long way from the cheapest place to carry a balance. Taken together, the picture is a card that wins on holding costs and sits mid table on borrowing, which is the trade a reader is making. The overall score of 6 out of ten reflects the same split, with 6.2 on cost and 5.7 on offer.

Rewards and perks

The reward is money back rather than points or miles, the rewards type is cashback, and the rate is given as 5% groceries and fuel first 12 months. In practice that points the card at two ordinary household categories, groceries and fuel, so the value depends on where the household already spends rather than on how the scheme is structured. The time limit is the detail worth weighing: this is a reason to pick the card now rather than a reason to keep it for years, because once the opening period ends the remaining appeal is the missing annual fee. Cashback is also the reward type on most of the cashback cards tracked here, so the difference between cards of this sort sits in the rate and how long it lasts, not in the format of the reward.

The company behind it

The card is issued by AVANTCARD DAC, a company based in Ireland. It is authorised as a payment institution in Ireland under licence PSD_PI IE_CBI!C129700, and the Central Bank of Ireland is the regulator named for that market, so the account sits inside the Irish framework and its supervision. On the day to day side of running the account, support runs on a help centre. That is a published route for questions about the card, the transfer window or the cashback, though anyone used to a phone line or an email reply will notice how narrow that is compared with cards that list more channels.

How Avant Money compares

Where Avant Money is available

Available
Ireland
Licence in Ireland
IE_CBI (PSD_PI IE_CBI!C129700), checked September 26, 2026, also valid in Ireland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there an annual fee on the Avant Money credit card?+

The annual fee is €0, and the card is listed under a no annual fee model. That puts it at position 1 of 301 brands ranked on annual fee, so there is no cost attached to keeping the account open for a year.

What rate do I pay if I carry a balance?+

Borrowing is charged at an APR of 20.8%. That is close to the 20.85% for the credit cards on our data, and the card ranks at position 66 of 133 brands on that measure, so clearing the balance each month is what keeps this card cheap.

Is this a debit card or a credit card?+

It is listed as a credit card, so the balance is borrowed and then repaid rather than drawn from money already in an account. That is why an APR of 20.8% applies, and why an annual fee of €0 is not the main cost to weigh. A card that spends your own money does the job in a different way.

What rewards does the card pay?+

The card pays cashback, and the headline rate is given as 5% groceries and fuel first 12 months with a rewards type of cashback. The offer sits on groceries and fuel, so the reward depends on where you already spend, and it is shaped by an opening period rather than a standing rate.

Can I move an old balance onto this card?+

There is a balance transfer offer with an intro period of 6, and a balance transfer fee is listed against it. The period gives a defined window to clear the old balance, after which the standard rate of 20.8% applies to anything left on the account.

Is Avant Money regulated, and where is it based?+

The card is issued by AVANTCARD DAC, which is based in Ireland. It is authorised as a payment institution in Ireland under licence PSD_PI IE_CBI!C129700, with the Central Bank of Ireland named as the regulator for that market.

How do I get help with the account?+

Support runs on a help centre, which is the channel listed for the account. Questions about the card, the transfer period or the cashback are handled that way, so have the account details to hand before you start a conversation.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

Avant Money

Avant Money

Clearing the balance each month while earning cashback on groceries and fuel

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