Avant review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Avant is a US credit card offering 1% cashback cashback, a $0 to $125 annual fee and an APR of 29.99% to 35.99%. It suits US applicants who want cashback and a credit line without an entry fee, and who value a credit check that leaves no mark more than a low rate.
Key facts
- Best for
- US applicants who want cashback on a credit card without an entry fee.
- Annual fee
- $0 to $125 (Source, checked September 26, 2026)
- APR
- 29.99% to 35.99% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1% cashback (Source, checked September 26, 2026)
- Perks
- Proactive credit line increases, Mobile app account management, Mastercard zero liability protection, Checking if you qualify will not impact your credit score (Source, checked September 26, 2026)
- Cashback rate
- 1% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Avant, LLC (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2012 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- avant.com
Pros and cons
Pros
- A qualification check will not impact your credit score, and proactive credit line increases come with the account (Proactive credit line increases, Mobile app account management and Mastercard zero liability protection).
- Cashback rewards at 1% cashback on spend.
- Annual fee of $0 to $125, which ranks 1 of 301 brands compared on this measure.
- Support runs on email, phone and help centre.
Cons
- Interest is the cost that matters: APR of 29.99% to 35.99% against a 20.85% median across credit cards.
- The annual fee runs $0 to $125, so not every product is free.
- Cashback of 1% is thin beside 29.99% to 35.99% interest on any balance carried over.
Who it suits
- US residents building or rebuilding credit, since a qualification check will not impact the score (Proactive credit line increases, Mobile app account management and Mastercard zero liability protection).
- US consumers who want cashback on a credit card and can accept an APR of 29.99% to 35.99%.
- Cardholders who want phone, email or help centre support, listed at email, phone and help centre.
Who should look elsewhere
- Chime Card (Secured Visa Credit Card), a secured card with an annual fee of $0, if you want secured credit instead of a 29.99% to 35.99% rate.
- Varo Believe Secured Credit Card, whose annual fee is $0, if cashback at 1% is not what you are after.
- Bitpanda, priced in euros at €0, if a euro card suits you better than a US dollar $0 to $125 range.
How Avant compares
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.8
8.7 vs 9.2
8.7 vs 8.8
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8.7 vs 8.5
8.7 vs 9.0
8.7 vs 8.8
8.7 vs 8.8
8.7 vs 8.7
8.7 vs 9.2An annual fee of €0 priced in euros, for a euro card rather than the US dollar $0 to $125 range.
8.7 vs 9.0
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.4
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8.7 vs 9.2
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8.7 vs 9.1
8.7 vs 8.8
8.7 vs 8.8- 8.7 vs 8.8
- 8.7 vs 8.8
- 8.7 vs 8.8
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.5
8.7 vs 8.3
8.7 vs 8.2
8.7 vs 8.0
8.7 vs 8.0
Where Avant is available
- Available
- United States
- Licence in United States
- NMLS (Nationwide Multistate Licensing System) (1440089), checked September 26, 2026
- Licence in United States
- Connecticut Department of Financial Services (Small Loan Company License) (SLC-1246731), checked September 26, 2026
- Licence in United States
- New Mexico Regulation and Licensing Department, Financial Institutions Division, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the Avant credit card?+
The annual fee is $0 to $125, so some tiers are free and others are not. Rewards are paid as cashback at 1%, and it is a credit card, so a carried balance accrues interest at 29.99% to 35.99%.
What rate do I pay if I carry a balance?+
APR runs 29.99% to 35.99%, above the 20.85% median across credit cards in the comparison and close to the 25.27% mark. Against an annual fee of $0 to $125, borrowing is where the cost sits on this card.
Will checking if I qualify affect my credit score?+
Checking if you qualify will not impact your credit score, one of the Proactive credit line increases, Mobile app account management and Mastercard zero liability protection listed for the card. That same list pairs it with proactive credit line increases, so a higher limit on an existing card does not need a fresh credit decision, and changes are handled in a mobile app.
How much cashback does Avant pay?+
The rewards rate is 1% cashback, and the rewards type is cashback, so this is a cashback scheme rather than a points or miles programme. Weigh that reward against an APR of 29.99% to 35.99% if you carry a balance, since interest will outrun the cash.
What protection do I get if someone misuses the card?+
Mastercard liability protection sits in the perk list, which also covers proactive credit line increases, mobile app account management and a qualification check that will not impact your credit score. The card is a credit card from Avant, LLC.
Who regulates Avant in the US?+
Avant holds US licences, including 1440089 and a small loan company licence from the Connecticut Department of Financial Services, SLC-1246731. The New Mexico Regulation and Licensing Department, Financial Institutions Division also appears on its licences. The legal entity is Avant, LLC in the United States.
How can I contact Avant?+
Support runs on email, phone and help centre, so you can reach the team by email or by phone, or work through a help centre. Help centres are also the most common support route across DebitCue at 75.6%, and the account is managed in a mobile app.
Which market does Avant serve?+
Avant is a US brand, based in the United States and operating as Avant, LLC, founded in 2012. The card is a credit card rather than a prepaid or debit card, so it sits in the US credit market with a $0 to $125 annual fee.
What are the cashback card alternatives to Avant?+
Varo Believe Secured Credit Card and Chime Card (Secured Visa Credit Card) each charge an annual fee of $0 and $0, while Bitpanda charges €0. Avant's own fee is $0 to $125 against an APR of 29.99% to 35.99%.
Sources
- support.avant.com/article/234-how-can-i-contact-avant checked September 26, 2026
Backs: Support channels
“You can reach them by email or phone during the hours below.”
- avant.com checked September 26, 2026
Backs: Licences
- avant.com/about-us checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Since 2012, people have looked to Avant for the solutions they need to take charge of their financial lives.”
- avant.com/credit-card checked September 26, 2026
Backs: Annual fee, APR, Card kind, Pricing model, Perks
“Ranging From $0-$125 ANNUAL MEMBERSHIP FEE”
- avant.com/credit-card/landing/rewards-terms-and-conditions checked September 26, 2026
Backs: Cashback rate, Features, Rewards rate, Rewards type
“1% Cashback”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee.