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Avant Cash Back Rewards 2% / Indigo MasterCard

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Waldemar
Regular Contributor

Avant Cash Back Rewards 2% / Indigo MasterCard

Has anyone gotten this card? I don't see anywhere online where it talks about a 2% cashback. I only see 1%. And thoughts on the Indigo Card?

 Screenshot 2023-04-19 at 1.31.39 PM.png

Credit Cards

Amazon Prime Store Card: $10,000 | Apple Card MC: $5,500 | Best Buy Visa: $3,000 | BCU Cash Rewards Visa Sig: $40,000 | BCU Travel Rewards Visa Sig: $15,000 | Bread Cashback AmEx: $18,500 | Bread Rewards AmEx: $11,650 | Capital One Kohls Visa Sig: $4,750 | Capital One SavorOne WEMC: $27,500 | Express Credit Card: $4,050 | Famous Footwear Credit Card: $1,650 | FNBO Platinum Visa: $950 | Helzberg Diamonds Card: $6,000 | IKEA Projekt Credit Card: $6,600 | Macy’s Amex $9,000 | PayPal Cashback WMC: $20,000 | Sam’s Club Plus WEMC: $20,000 | Suncoast CU Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $10,000 | Toyota Rewards Visa Sig: $9,000 | Truist Enjoy Cash Visa Sig: $10,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500 | US Bank Smartly Visa Sig: $10,000 | WF One Key+ WEMC: $9,000

BCU Unsecured LOC 5k

BCU Auto Loan $16,559.00

Rebuilding since June 2021.
Message 1 of 12
11 REPLIES 11
GZG
Senior Contributor

Re: Avant Cash Back Rewards 2% / Indigo MasterCard

CK allows advertisers to provide individual, differing offers for the same card based on your profile, but when you apply, you'll need to confirm the terms you found on CK with the terms you find on the documentation provided to you prior to applying fully. 

Avant shows that card to me as 1% for example: 

image.png

Generally, avant is seen as okay for rebuilding profiles, especially after BK, but if you provide more info about your profile, perhaps others can offer better suggestions. Indigo appears to also be moving into that "post-BK" high-ish income credit lending space by offering cards with terms such as the ones provided to you. 

Starting FICO 8:
Current FICO 8:



Message 2 of 12
Beefy1212
Established Contributor

Re: Avant Cash Back Rewards 2% / Indigo MasterCard


@GZG wrote:

CK allows advertisers to provide individual, differing offers for the same card based on your profile, but when you apply, you'll need to confirm the terms you found on CK with the terms you find on the documentation provided to you prior to applying fully. 

Avant shows that card to me as 1% for example: 

image.png

Generally, avant is seen as okay for rebuilding profiles, especially after BK, but if you provide more info about your profile, perhaps others can offer better suggestions. Indigo appears to also be moving into that "post-BK" high-ish income credit lending space by offering cards with terms such as the ones provided to you. 


I also have never seen that card offered as anything but 1%...

given how easy it is to get a 2% card from FNBO or WF and others would it not make sense to just get a 2% card from a prime lender?



Message 3 of 12
MileHigh96
Established Contributor

Re: Avant Cash Back Rewards 2% / Indigo MasterCard

Screenshot_20230419_131443_Credit Karma.jpg

I just checked CK and I have the offer for the 2% cash back version as well.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Closed accounts:

6/6, 6/12, 11/24 new accounts
TCL: $219.4K
Message 4 of 12
800wannabe420
Frequent Contributor

Re: Avant Cash Back Rewards 2% / Indigo MasterCard


@MileHigh96 wrote:

Screenshot_20230419_131443_Credit Karma.jpg

I just checked CK and I have the offer for the 2% cash back version as well.


Same here but the 34.74% purchase APR 😱😱😱 seems to me to be a tad on the high side for my taste 🙂

Message 5 of 12
MileHigh96
Established Contributor

Re: Avant Cash Back Rewards 2% / Indigo MasterCard


@800wannabe420 wrote:

@MileHigh96 wrote:

Screenshot_20230419_131443_Credit Karma.jpg

I just checked CK and I have the offer for the 2% cash back version as well.


Same here but the 34.74% purchase APR 😱😱😱 seems to me to be a tad on the high side for my taste 🙂


So long as you make sure to pay it off every month, it would be a decent card though, especially as a rebuilder.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Closed accounts:

6/6, 6/12, 11/24 new accounts
TCL: $219.4K
Message 6 of 12
binaryhermit
Valued Member

Re: Avant Cash Back Rewards 2% / Indigo MasterCard

Assuming it has a grace period, which some horrible cards don't.  I can't get sufficient info to 100% determine whether this has a grace period without applying, but my gut feeling is this isn't *that* horrible.

Message 7 of 12
FireMedic1
Community Leader
Mega Contributor

Re: Avant Cash Back Rewards 2% / Indigo MasterCard

 Back in the old days. The only way to get a QS WEMC was thru CK. Cap1 didn't offer it on their site. That's how I got mine. Could be a CK promotion? Keep that screenshot just in case.



BK Free Aug25
Message 8 of 12
Scottisthename
Contributor

Re: Avant Cash Back Rewards 2% / Indigo MasterCard

This card has a grace period have the same offer but with $1500 limit not enough to bite 

Message 9 of 12
SUPERSQUID
Valued Contributor

Re: Avant Cash Back Rewards 2% / Indigo MasterCard

I  just checked my CK account, I also have an outstanding odds offer for a 2 pct Avant.

I guess the card is 2 pct now.

Message 10 of 12
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