Avant® Cashback Rewards Mastercard®

An unsecured Mastercard offering 1% unlimited cash back on purchases, with a current 35.99% purchase APR and a $0-$75 annual membership fee range for approved applications submitted directly through the Avant website.

Last checked on August 31, 2026. We may earn a commission when you click through.

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✓ Earns 1% unlimited cash back on eligible purchases. ✓ Does not require a security deposit. ✓ Reports account activity monthly to all three major credit bureaus.
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Avant® Cashback Rewards Mastercard®

Mastercard · unsecured

Our Verdict

The Avant Cashback Rewards Mastercard may make sense for consumers who want simple cash back and an unsecured card, especially if they receive a lower-fee offer. The 35.99% purchase APR makes it important to avoid carrying balances when possible and to review the exact annual fee before accepting the card.

What it really costs

Annual fee 0-75
APR Range 35.99% – 35.99%

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Who it's for

U.S. consumers who want an unsecured cashback card, value three-bureau reporting, and are comfortable evaluating the exact annual fee and pricing offered to them.

Watch out

For approved applications submitted directly through Avant, the purchase APR is currently 35.99%, while the annual membership fee can range from $0 to $75 depending on the offer.

The good and the not so good

  • Earns 1% unlimited cash back on eligible purchases.
  • Does not require a security deposit.
  • Reports account activity monthly to all three major credit bureaus.
  • Uses the Mastercard network.
  • Some approved direct website offers may have a $0 annual membership fee.
  • Current direct website applications carry a 35.99% purchase APR.
  • The annual membership fee can range from $0 to $75.
  • The 1% cash back rate is relatively modest for a rewards card.
  • Pricing and credit limits depend on the specific approved offer.
  • A high APR makes the card less attractive for carrying balances.

In-Depth Review

The Avant® Cashback Rewards Mastercard® is an unsecured Mastercard issued by WebBank and marketed by Avant. Its main rewards feature is 1% unlimited cash back on eligible purchases, providing a simple rewards structure without rotating categories. For approved applications submitted directly through the Avant website, Avant currently discloses a 35.99% purchase APR and an annual membership fee ranging from $0 to $75. The exact annual fee depends on the approved offer, so applicants should review the pricing presented to them before accepting the account. Avant also states that pricing may differ for offers provided through other acquisition channels. The current direct website disclosure also states a minimum credit limit of $300 for approved applications. This should not be interpreted as guaranteed approval or as a guaranteed credit limit for every applicant. Approval, final credit limit, pricing, and account terms remain subject to WebBank's underwriting and verification criteria. Avant reports credit card account activity monthly to Equifax, Experian, and TransUnion. Responsible account management may contribute to a consumer's credit history, but account reporting does not guarantee an increase in credit score. The card does not require a refundable security deposit, which distinguishes it from secured credit-building cards. Its 1% cash back program can provide some value on everyday spending, although the rewards rate is modest compared with some cards intended for applicants with stronger credit profiles. The main consideration is borrowing cost. A 35.99% purchase APR is high, so carrying a balance can generate substantial interest charges. The card is therefore better suited to consumers who can manage balances carefully and who evaluate the specific annual fee included in their approved offer. Overall, the Avant Cashback Rewards Mastercard combines simple cash back, unsecured credit access, and three-bureau reporting. Its usefulness depends heavily on the exact annual fee offered and whether the cardholder can avoid carrying costly revolving balances.

Summary

An unsecured cashback Mastercard with 1% unlimited cash back, three-bureau reporting, a 35.99% purchase APR, and a $0-$75 annual fee range for direct website offers.

What cardholders say

Customer experiences vary, and there is not enough consistent verified review evidence specific to this exact Cashback Rewards Mastercard offer to provide a reliable overall sentiment summary. Applicants should review the exact pricing and account terms presented before applying.

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