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Ava

NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

Intro Purchase APR

N/A

Annual Fee

Starting at just $6/month for the annual plan

Rewards Rate

N/A

Credit Needed Limited Credit

Regular Purchase APR

0.00%

Credit Brand Mastercard®

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Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.

With Ava, you can expect:

No hidden fees
0% interest
Instant account set up with no credit check
$0.00 deposit/collateral required

Additional Info

Why Ava, you ask?

Quick Results: 74% of our members saw an improvement in their credit score within the first two weeks of joining Ava. Stick to those on-time payments, and you might just get a 40+ point boost in three months!

Easy Setup: You’ll be up and running in less time than it takes to make a cup of coffee – less than 5 minutes!.

Transparent Pricing: Starting at just $6/month for the annual plan, Ava offers a simple, affordable route to better credit history.

Included in our simple pricing are:

CREDIT BUILDER CARD:

Ava’s Credit Builder Card allows you to pay for over 60 online subscriptions and bills like Netflix and Verizon, while also lowering your credit utilization. NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

We help you keep a low card utilization with a spend limit to positively impact your score. When you make on-time payments we report your positive behavior to all three credit bureaus within 48 hours.

SECURED CREDIT BUILDING ACCOUNT:

The Ava Save & Build secured loan helps you save money AND improve your credit history at the same time. Add an additional credit line to your report and increase the frequency of on-time payments. Start by putting away at least $25/month and you get ALL the money you saved after 12 – 24 months of on time payments. Absolutely NO interest or added fees. You keep every dollar you save towards the secured loan!

MONTHLY FREE CREDIT REPORT

Stay on top of your credit score with free credit reports in the app. Discover insights and suggestions in your report that make it easy to understand credit factors, like credit utilization and percentage of on-time payments.

DEDICATED CUSTOMER SUPPORT

Require assistance or have inquiries? Our dedicated support team is here to help. Contact us at support@meetava.com.

Ava makes credit building easy. What you see is what you get – no hidden fees, zero interest, and a promise that we’ve got your back. We make sure we win only when you win. A better credit score, peace of mind and thousands in savings are just a few taps away.

Ava is not a bank, Ava is a technology company that partners with banking services provided by Evolve Bank & Trust, member FDIC to provide the Secured Loan Account. The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., member FDIC pursuant to a license from Mastercard international Incorporated

Are you ready to apply for a credit card?

In today’s day and age, it’s easier than ever to apply for a credit card. You can search through offers online, learn more about the features of each one, and apply within a matter of minutes.

While this level of convenience is sure to put a smile on your face, it can also lead to trouble. Here’s how: many consumers begin to apply for credit cards that they don’t qualify for.

Before we get into the finer details of finding a credit card you will be approved for, let’s examine two reasons why this is so important:

1. To Protect Your Credit Score

Simply put, too many credit card applications in a short period of time will drag down your credit score. Subsequently, you’re making it more difficult to secure a card in the future. Multiple applications in a short time span can put you in a bad light with credit card issuers, as they could consider you a bigger risk than others.

2. To Save Time

Your primary goal is to find and apply for the best credit card without wasting any time. However, if you continue to apply for credit cards that are “out of your league,” it’s possible that you could waste one day after the next and never make any real progress.

Moving forward in an efficient manner starts with having a clear idea of the types of cards you’ll qualify for.

3. Focus On These Factors

Credit card issuers consider many factors when making a decision on your application. Knowledge of these factors will move you closer to credit card offers that best suit your situation.

4. Here are three things to think about:

Credit Score – Every credit card offer has a “credit score range” attached to it. For example, there are cards for people with poor credit as well as those for good and excellent credit. If your credit score is in the 500’s, don’t apply for an offer that requires an excellent score.

Credit History – A strong credit history will improve your chance of an approval. Conversely, if you have no history or several delinquencies on your credit report, you should understand the impact (and what you can do to help your situation).

Income – Just the same as your credit score, your income has a lot to do with whether or not you’re approved. When reviewing an offer, learn more about the minimum income requirement. If you don’t make enough money, it’s time to move on.

Final Thoughts

As noted by the Official Guide to Government Information and Services, it’s important to shop around to find the card that is best for you.

When doing so, remember that it’s best to only apply for credit cards you will be approved for. This will help your credit score avoid unnecessary damage, speed up the process, and allow you feel better about your financial situation as a whole.

Additional Resources

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Credit Spotlight: Kikoff

Building credit doesn’t have to be difficult. It doesn’t have to be something that consumes your life and adds to your financial stress. With Kikoff, it’s easier than ever to take the steps needed to boost your credit score in a reasonable period of time. Start Here Kikoff addresses three key factors that determine 80 percent of your credit score: 1. Payment history We report your monthly payments to the three major credit bureaus (Equifax, Experian, and TransUnion). Every payment
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Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

Office Location

Attn: LeadDemand - 3200 E. Guasti Road, Suite 100 - Ontario, CA 91761

Contact Information

Email: support@applynowcredit.com
Phone: Customer Service

How to Prepare Yourself to Apply for a Credit Card

You’ve been doing a lot of thinking, and you realize there’s no better time than now to apply for a credit card. While this is a big decision, once you know it’s right for you it’s time to take action. This means something different to everyone, but there are basic steps you can take to prepare yourself. Here are four things you should do: 1. Check Your Credit Score This will give you a better idea of the type of
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Why People With Bad Credit Pay Higher Interest Rates

Do you have bad credit? Are you concerned about the impact on your finances? Are you worried that it will cost you money both now and over the long run? According to Experian, bad or very poor credit is defined as a score between 300 and 579. While you may feel alone with a credit score in this range, Experian also notes that approximately 16 percent of people are in the same position. One of the primary downfalls of bad
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Top Reasons for a Credit Card Denial

Are you in the process of searching for the perfect credit card? Do you have some concerns about the application process? Are you worried that you will receive a denial? There is no way of knowing for sure if you will be approved for a credit card, but you can improve your odds by understanding the eligibility requirements before applying. For example, if you have average or poor credit, don’t apply for a credit card that requires an excellent score.
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General Disclaimer

Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s).

Editorial Note

Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).

About Our Ratings
We are not a lender. Instead, we partner with lenders and credit card banks that are willing to provide our audience with credit and loan products. We have no control over rates, fees, and other terms and conditions. This is determined by your lender, based on a variety of factors. We never make credit and/or loan offers and we don’t broker online loans and/or lines of credit. Also, we don’t make credit decisions. This website will submit the information provided by you to partner lenders and/or credit card banks. However, this does not guarantee that you will receive approval for any type of loan or line of credit. The operator of this website is not a broker, agent, or representative of any lender or credit line provider.

Advertiser Disclosure
We have agreements with our credit card banks and lending partners that allow us to receive compensation when someone applies or gets endorsed for a loan, credit card, or any other type of financial product throughout our website. Even with this agreement in place, all of the provided information is accurate, to the best of our knowledge, and provided in a neutral manner. Compensation may impact the products we review and survey, as well as their position on our website. We strive to provide a comprehensive guide to our users, but realize that our website does not include every product from every financial institution.

Office Location : Attn: LeadDemand - 3200 E. Guasti Road, Suite 100 - Ontario, CA 91761 Contact Us : support@applynowcredit.com Phone Support Customer Service