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Avant® Cashback Rewards Mastercard®
Enjoy a 1% cash back reward, no annual fee, and easy online application—even with bad credit. Fast approval and steady credit building.
The Avant® Cashback Rewards Mastercard® stands out for South Africans wanting to rebuild or start their credit journey. This card is designed for individuals with bad credit, offering a 35.99% interest rate, a $0 annual fee, and a straightforward reward: 1% cash back on eligible purchases. The recommended credit limit is usually based on your profile, and approval is generally hassle-free—even if your credit history is less than ideal. You don’t have to pay a security deposit, making it accessible for many users.
How to Apply: Step by Step
- Check that you meet the eligibility criteria, including being over 18 and having a South African ID.
- Prepare your most recent financial details and employment information for the application.
- Complete the online application form accurately to avoid delays.
- Submit the application and wait for the instant decision, typically provided within minutes.
- If approved, review your credit limit and set up your account for convenient online management.
Key Advantages
One of the biggest draws of the Avant® Cashback Rewards Mastercard® is the combination of a $0 annual fee and the ability to earn 1% cash back. For people rebuilding their credit, this is an opportunity to access rewards while improving your financial health.
The card application process is user-friendly and quick, so you can get started on improving your credit right away. Also, no security deposit is required, setting it apart from many similarly targeted products.
Potential Disadvantages
The main drawback of this offer is the high ongoing APR, at 35.99%. If you carry a balance month-to-month, interest can add up rapidly, making it important to pay in full whenever possible.
Additionally, the credit limit may be lower than you expect at first, although responsible usage could help qualify you for increases over time.
Our Verdict
The Avant® Cashback Rewards Mastercard® is a solid choice for South Africans looking to build their credit while enjoying 1% cash back and low fees. However, it’s best suited for those who can pay off their balances monthly to avoid costly interest charges. Given its accessibility and reward structure, this card is excellent for anyone focused on long-term financial improvement.