Evan Coleman is an Updates Editor on the Credit Cards and Travel Rewards team at Forbes Advisor, showcasing his interest in personal finance and love of travel. He has written for a variety of local news sources, college blogs and nonprofits on topic.
Evan Coleman Forbes Advisor EditorEvan Coleman is an Updates Editor on the Credit Cards and Travel Rewards team at Forbes Advisor, showcasing his interest in personal finance and love of travel. He has written for a variety of local news sources, college blogs and nonprofits on topic.
Written By Evan Coleman Forbes Advisor EditorEvan Coleman is an Updates Editor on the Credit Cards and Travel Rewards team at Forbes Advisor, showcasing his interest in personal finance and love of travel. He has written for a variety of local news sources, college blogs and nonprofits on topic.
Evan Coleman Forbes Advisor EditorEvan Coleman is an Updates Editor on the Credit Cards and Travel Rewards team at Forbes Advisor, showcasing his interest in personal finance and love of travel. He has written for a variety of local news sources, college blogs and nonprofits on topic.
Forbes Advisor Editor Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
| Credit Cards Editor
Updated: Apr 17, 2024, 10:00am
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The Avant Credit Card is a plain-vanilla option that can help you build your credit if used responsibly. But there are similar options on the market that come with perks and are more upfront about what you’ll be charged.
Avant Credit Card On Avant's WebsiteOur ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Welcome Bonus Annual Fee Regular APR 35.99% Variable Credit Score Fair CreditCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
The Avant Credit Card is not the only game in town when it comes to cards for so-so credit. But it’s got a few things in its favor you may not find with other options. If you’re new to credit or had a few missteps, it can be challenging to find a card that doesn’t require an upfront security deposit. But the Avant card is unsecured, so you won’t have to pony up anything to get it.
One of the most appealing features of the Avant Credit Card is that you can pre-qualify with a soft credit check to see what rates and fees you’ll qualify for before you submit your application. The Avant Credit Card also reports your payment behavior to all three major credit bureaus—a must for anyone trying to improve their credit standing.
But these are among the bare minimums you should expect when you’re seeking a card to help take your credit score to the next level. There are other cards that offer these basics and more, like a lack of annual fees and some offer rewards and other money-saving extras.
Why you can trust Forbes Advisor
Our credit card editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.
As a Mastercard, the Avant credit card comes with a variety of benefits, including:
The Petal® 2 “Cash Back, No Fees” Visa® Credit Card * (issued by WebBank) is one of the best of the bunch when it comes to unsecured cards aimed at those with little to no credit. There’s no annual fee or security deposit with the Petal 2 card and you’ll earn 1% cash back on eligible purchases right away, 1.25% cash back on eligible purchases after making 6 on-time monthly payments, and up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. Plus, earn 2% - 10% cash back at select merchants. One caveat: this card is not meant for those with limited credit. If that sounds like you, consider the Petal® 1 “No Annual Fee” Visa® Credit Card * , issued by WebBank.
The Capital One Quicksilver Secured Cash Rewards Credit Card offers a flat 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel right out of the gate. It also has no annual fee (rates & fees) and you’ll get the possibility of a higher credit line starting at six months of card membership. The Capital One Quicksilver Secured Cash Rewards Credit Card comes with some additional perks like the ability to apply your rewards towards a recent purchase and access to select event tickets and experiences.
The Apple Card * offers a tasty rewards plan, particularly for those who can use Apple Pay for most of their purchases. The card charges no annual fees, foreign exchange fees or late fees and is paired with an app designed to show how much your interest charges would be in different payment scenarios.
Note the rewards rate of 3% back on eligible purchases from Apple including the Apple Store, apple.com, the App Store and iTunes, 2% back on purchases when using Apple Pay and 1% back on all other purchases. Those who are unable or unwilling to use Apple Pay should steer clear of this card.
Earn Unlimited 2x miles on every purchase, every day. Earn Unlimited 2x miles on every purchase, every day
Welcome Bonus Annual Fee Credit Score Fair Credit Regular APR 35.99% Variable Citi Double Cash® Card On Citi's Website Welcome Bonus Earn $200 cash back Annual Fee Credit Score Excellent, Good, Fair Regular APR 19.24% - 29.24% (Variable)Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Discover it® Secured Credit Card On Discover's Website Welcome Bonus Cashback Match™ Annual Fee Credit Score New/Rebuilding Credit Regular APR 28.24% Variable APRCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Intro Offer: Unlimited Cashback Match™ - only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
When your credit is fair, the Avant card could be a decent option to help you on the road towards building a stronger profile. But as your credit improves, this won’t be a card you’ll want to keep long-term. In addition to the options shown above, Forbes Advisor has compiled a list of best cards for bad credit to help you choose the right card for your particular situation.
Forbes Advisor considers a variety of criteria when assigning credit cards a rating. Cards are graded based on numerous factors, including:
Card features we expect cardholders to use the most often are weighted more heavily in our ratings. Altogether, the factors come together to provide a star rating for each individual card.
To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards .
*The information for the following card(s) has been collected independently by Forbes Advisor: Petal® 2 “Cash Back, No Fees” Visa® Credit Card, Petal® 1 “No Annual Fee” Visa® Credit Card, Apple Card . The card details on this page have not been reviewed or provided by the card issuer.
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Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Forbes Advisor EditorEvan Coleman is an Updates Editor on the Credit Cards and Travel Rewards team at Forbes Advisor, showcasing his interest in personal finance and love of travel. He has written for a variety of local news sources, college blogs and nonprofits on topics including business, arts and culture and search engine optimization. Evan is a graduate of the University of Rochester, where he studied Business and English: Language, Media and Communication.
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