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- Regular Purchase APR 35.99%
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $59
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Regular Purchase APR 35.99%
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $59
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Returned Payment Fee: Up to $25
- Checking your eligibility does not affect your credit score
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
N/A
Penalty APR
N/A
Ongoing Information
Rewards Rate
Non-rewards card
Annual Fee
$59
Expert Reviews
From the CompareCards.com Editorial Team, updated on Apr 10, 2025
If you're looking for a simple credit card to help you build credit, the AvantCard Credit Card could be a great option. This card comes with a small annual fee of $59, but it is an unsecured credit card which means you won't have to put down a security deposit to get approved.
This card is available to consumers with less than great credit and it reports to all three major credit bureaus – that means that with responsible use, you could build your credit score over time.
There are also no foreign transaction fees with this card. That's a rare feature on cards available to consumers with less than great credit. Also, since this card is a Mastercard, you can rest assured that you'll be able to use it anywhere in the world where Mastercard is accepted. The ongoing APR is fairly high at 35.99% so it would be best to pay your balance off in full each month.
Expert Reviews of AvantCard Credit Card
The Bottom Line
This card is a solid choice for consumers who don't want to put down $200 or more as a security deposit on a secured credit card.
The Good
The annual fee is fairly low compared to other cards. Plus you'll pay no foreign transaction fees.
The Not so Good
The APR is quite high, so if you don't pay off your balance in full each month you could rack up steep interest charges.
Editorial Note: This content is not provided by Avant. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Avant.
Consumer Reviews
OFFER RATING
/5.0
Related Card Offers
Our pick for best unlimited travel rewards card
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Travel Rewards credit card
Our pick for choosing your own cash back rewards
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Sign-Up Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Rewards Rate 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Customized Cash Rewards credit card
Our pick for travel rewards with no annual fee
- Sign-Up Bonus Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- APRs 0% intro on purchases for 15 months, then 19.24% - 29.24% (Variable). 0% intro on balance transfers for 15 months, then 19.24% - 29.24% (Variable). Balance transfer fee applies
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Sign-Up Bonus Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- APRs 0% intro on purchases for 15 months, then 19.24% - 29.24% (Variable). 0% intro on balance transfers for 15 months, then 19.24% - 29.24% (Variable). Balance transfer fee applies
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One VentureOne Rewards Credit Card
