WebBankAvant Credit CardRegistry illustration · issuer artwork unavailable

Avant Credit CardWebBank · NM bank, UT · FDIC 34404

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

$39

a year

Foreign fee

Grace period

30 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	30 days from the close of each billing cycle	—	—
Minimum interest charge	$1	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$39, minimum $39, maximum $75, Annual Fee: $39 Annual Fee: $59 Annual Fee: $75 Annual Fee: $75 Year 1, $99 thereafter Annual Fee: $125Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	$10 or 3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$28Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$39Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	up to $25WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“The fee may be up to $25.”WebBank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 3
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

AvantCard_Cardmember_Agreement_-_Annual_INTRO_04_01_2026page 1 of 9

CARDS WITH INTRODUCTORY ANNUAL FEE RATE AND FEE SUMMARY

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 35.99% APR for Cash Advances · 3 5.99% Paying Interest · Your due date is at least 24 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore Fees Annual Fee Monthly Fee · Introductory annual fees range from $0 to $125 in the first year, billed annually. After the first year, annual fees range from: $39 to $99 billed annually, or $99.96 to $125.04 annually; billed monthly at $8.33 to $10.42 NOTICE: Your annual fee may be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if you are assigned the minimum credit limit of $300 , and if your annual fee is $59 , your initial available credit will be $241 . You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges . Transaction Fees ● Cash Advance ● Foreign Transaction · The greater of $10 or 3% of the amount of the cash advance. None

How We Will Calculate Your Balance : We use a method called the 'Average Daily Balance (including new transactions).' See your Cardmember Agreement for more details.

Billing Rights : Information on your rights to dispute transactions, including how to exercise those rights, is provided in your Cardmember Agreement.

1 2 3 4 5 6 7 8 9Pages 1 and 3 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 3
“The fee may be up to $25.”
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 3
“No Grace Period on Cash Advances. Cash Advances do not have a grace period. We will charge you interest on Cash Advances from the date the transaction is posted to your Account until it is paid in full. .”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 3
“No Grace Period on Cash Advances. Cash Advances do not have a grace period. We will charge you interest on Cash Advances from the date the transaction is posted to your Account until it is paid in full.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
WebBank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 3
“Returned Payment Fee . A Returned Payment Fee may be charged if you make any payment that is not honored or returned for any reason. We may resubmit any returned payment up to two times. A returned payment fee may be charged even if your payment is honored on a subsequent submission. The fee may be up to $25. This fee will not exceed the amount permitted by law.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Late Fee Six Month Billing Cycle
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Late Fee Six Month Billing Cycle
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Additional Fees, Other Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Additional Fees, Other Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:webbank:avant-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:webbank:avant-credit-card:793ec1153917535e02466c8ecf6470ea310430db5c6d5e02ee16916c96d4faa6
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Returned payment fee
Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: WebBank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 34404
Branches: 1 in UT
Sources: Government dataset · 2 documents · 2 pages cited

Documents

AvantCard_Cardmember_Agreement_-_Annual_INTRO_04_01_2026effective date not parsed
AvantCard_Cardmember_Agreement_-_Monthly_or_Annual_NO_INTRO_04_01_2026effective date not parsed

Avant Credit CardWebBank · NM bank, UT · FDIC 34404

Rates and fees