The Avant® Cashback Rewards Mastercard® gives South Africans challenged with bad credit a chance to rebuild their finances. This credit card offers a 35.99% APR and provides the opportunity to earn 1% cashback on everyday purchases. Depending on the version, the annual fee can be as low as R0, making it a cost-effective option for those needing to repair their credit rating.

How to Apply: Step by Step

1. Check your credit score and assess eligibility requirements.
2. Gather identity and income details needed for the application.
3. Complete the online application with accurate personal information.
4. Submit your application for review and await a decision.
5. If approved, activate your new Avant® Mastercard® and start using it responsibly.

Key Advantages

A major advantage of the Avant® Cashback Rewards Mastercard® is the low barrier to entry. Even with a poor credit history, you may still qualify, opening doors to financial recovery.

Additionally, cardholders enjoy cashback rewards on their everyday spending. This is rare among credit cards designed for users with challenged credit, giving added value to each purchase.

Potential Drawbacks

The card’s interest rate is on the higher side. Cardholders who carry a balance should be mindful to avoid significant interest charges over time.

Moreover, the credit limit offered may be initially low, which can impact purchasing power until you establish a positive usage history.

Final Verdict

The Avant® Cashback Rewards Mastercard® is an accessible solution for anyone looking to rebuild credit while enjoying the perks of cashback rewards. Responsible use and timely payments are key to maximising its benefits.