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$0 deposit unsecured card that reports to 3 bureaus monthly
Build credit without tying up money in a security deposit. The Avant Credit Card is an unsecured option for fair credit that reports to all 3 bureaus monthly, charges no foreign transaction fees, and offers proactive credit line increases — all with no penalty APR. The $59 annual fee is the cost of entry to an unsecured credit line starting at $300.
$59
Annual Fee
Annual Fee
$59
Network
Mastercard Standard
Credit Required
580+
Benefits & Perks
Combined Protection Value
$100
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Reviews & Analysis
An unsecured credit-building card for fair credit scores (580+) with $0 deposit, 3-bureau reporting, and no foreign transaction fees. No rewards, but the no-penalty-APR policy and proactive credit limit increases make it a reasonable stepping stone. $59 annual fee.
Details & Terms
| Purchase APR | 35.99% |
$0 deposit unsecured card that reports to 3 bureaus monthly
Build credit without tying up money in a security deposit. The Avant Credit Card is an unsecured option for fair credit that reports to all 3 bureaus monthly, charges no foreign transaction fees, and offers proactive credit line increases — all with no penalty APR. The $59 annual fee is the cost of entry to an unsecured credit line starting at $300.
$59
Annual Fee
Annual Fee
$59
Network
Mastercard Standard
Credit Required
580+
Benefits & Perks
Combined Protection Value
$100
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Reviews & Analysis
An unsecured credit-building card for fair credit scores (580+) with $0 deposit, 3-bureau reporting, and no foreign transaction fees. No rewards, but the no-penalty-APR policy and proactive credit limit increases make it a reasonable stepping stone. $59 annual fee.
Details & Terms
| Purchase APR | 35.99% |
$0 deposit unsecured card that reports to 3 bureaus monthly
Build credit without tying up money in a security deposit. The Avant Credit Card is an unsecured option for fair credit that reports to all 3 bureaus monthly, charges no foreign transaction fees, and offers proactive credit line increases — all with no penalty APR. The $59 annual fee is the cost of entry to an unsecured credit line starting at $300.
$59
Annual Fee
Annual Fee
$59
Network
Mastercard Standard
Credit Required
580+
Benefits & Perks
Combined Protection Value
$100
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Reviews & Analysis
An unsecured credit-building card for fair credit scores (580+) with $0 deposit, 3-bureau reporting, and no foreign transaction fees. No rewards, but the no-penalty-APR policy and proactive credit limit increases make it a reasonable stepping stone. $59 annual fee.
Details & Terms
| Purchase APR | 35.99% |
Your APR stays at 35.99% even if you miss a payment — no rate increase as punishment.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
WalletHub's 2.7/5 editor review with 354 user reviews, detailed breakdown of fees, rewards (none), cost, and comparison to Capital One Platinum and Discover it Secured.
Credit Karma's review with unique member data: average approved score 585, average credit limit $1,190, 58.8% average utilization. Covers 3-bureau reporting and automatic credit line increases.
Comprehensive review covering Bankrate's 2.7/5 rating with detailed analysis of fees, credit-building features, cardholder perks, and comparison to secured card alternatives.
Forbes Advisor's curated list of the best credit cards for fair credit, providing context for where the Avant Credit Card fits among alternatives like Capital One Platinum and Discover it Secured.
Forbes Advisor's 2.2/5 rated review covering the card's basic Mastercard benefits including lost wallet assistance, emergency card replacement, airport concierge discount, and ID theft protection.
CNET's overview positioning the Avant Credit Card as one of the most basic unsecured cards for fair credit, designed for those who want to build credit without rewards.
Reddit community discussion about real-world Avant Credit Card experiences, approval stories, and whether the card is worth it for credit building.
SuperMoney's review with user ratings and detailed breakdown of Avant Credit Card's fees, APR, and comparison to other credit-building options.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Your APR stays at 35.99% even if you miss a payment — no rate increase as punishment.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
WalletHub's 2.7/5 editor review with 354 user reviews, detailed breakdown of fees, rewards (none), cost, and comparison to Capital One Platinum and Discover it Secured.
Credit Karma's review with unique member data: average approved score 585, average credit limit $1,190, 58.8% average utilization. Covers 3-bureau reporting and automatic credit line increases.
Comprehensive review covering Bankrate's 2.7/5 rating with detailed analysis of fees, credit-building features, cardholder perks, and comparison to secured card alternatives.
Forbes Advisor's curated list of the best credit cards for fair credit, providing context for where the Avant Credit Card fits among alternatives like Capital One Platinum and Discover it Secured.
Forbes Advisor's 2.2/5 rated review covering the card's basic Mastercard benefits including lost wallet assistance, emergency card replacement, airport concierge discount, and ID theft protection.
CNET's overview positioning the Avant Credit Card as one of the most basic unsecured cards for fair credit, designed for those who want to build credit without rewards.
Reddit community discussion about real-world Avant Credit Card experiences, approval stories, and whether the card is worth it for credit building.
SuperMoney's review with user ratings and detailed breakdown of Avant Credit Card's fees, APR, and comparison to other credit-building options.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Your APR stays at 35.99% even if you miss a payment — no rate increase as punishment.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
WalletHub's 2.7/5 editor review with 354 user reviews, detailed breakdown of fees, rewards (none), cost, and comparison to Capital One Platinum and Discover it Secured.
Credit Karma's review with unique member data: average approved score 585, average credit limit $1,190, 58.8% average utilization. Covers 3-bureau reporting and automatic credit line increases.
Comprehensive review covering Bankrate's 2.7/5 rating with detailed analysis of fees, credit-building features, cardholder perks, and comparison to secured card alternatives.
Forbes Advisor's curated list of the best credit cards for fair credit, providing context for where the Avant Credit Card fits among alternatives like Capital One Platinum and Discover it Secured.
Forbes Advisor's 2.2/5 rated review covering the card's basic Mastercard benefits including lost wallet assistance, emergency card replacement, airport concierge discount, and ID theft protection.
CNET's overview positioning the Avant Credit Card as one of the most basic unsecured cards for fair credit, designed for those who want to build credit without rewards.
Reddit community discussion about real-world Avant Credit Card experiences, approval stories, and whether the card is worth it for credit building.
SuperMoney's review with user ratings and detailed breakdown of Avant Credit Card's fees, APR, and comparison to other credit-building options.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
