Credit Card Comparison
Choosing a credit card starts with understanding your spending habits and financial goals. Select an Avant Money credit card today and discover the features and benefits available to you. Our credit card comparison can help you find the right option for your needs.
Compare our Credit Cards
Avant Money has a number of credit cards on offer, from our Everyday+ credit card, our One Card credit card and our Reward+ credit card, there’s a credit card to suit your financial situation.
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| Choose from ➜ | Everyday+ |
One Card |
Reward+ |
|---|---|---|---|
| Who this card may suit | Those who want rewards on everyday spending like groceries and fuel. | Those looking to transfer balances or spread costs with introductory rates. | Those looking for ongoing rewards over time. |
| Offer highlight | 5% cashback on groceries and fuel (up to €25/month) for 12 months and 1% thereafter. (1) | 0% interest on Money Transfers for first 12 months, Balance Transfers for first 9 months, and Purchases for first 3 months. (5) | 25% interest refund every month. (6) |
| Additional rewards | The only Irish credit card that covers the €30 annual government stamp duty for you. (2) | €150 cashback when you switch. (4) | €150 cashback when you switch. (7) |
| 0% interest on purchases | Not applicable | 3 months (5) | Not applicable |
| 0% interest on balance transfers | 6 months (3) | 9 months (5) | Not applicable |
| 0% interest on money transfers | Not applicable | 12 months (5) | Not applicable |
| Standard Annual Percentage Rate (APR) for purchases, transfers and cash withdrawals | 20.8% variable interest rate | 16.8% standard interest rate | 16.8% standard interest rate |
| Credit limit | €1,500 to €12,000 | €1,500 to €12,000 | €1,500 to €12,000 |
| Fees & account features | No account service fees, contactless payments, app & online card management, and up to 3 additional cardholders. | No account service fees, contactless payments, app & online card management, and up to 3 additional cardholders. | No account service fees, contactless payments, app & online card management, and up to 3 additional cardholders. |
| Choose Everyday+ | Choose One Card | Choose Reward+ |
Understanding your Credit Card
Get to know how credit card interest rates are applied and everything about the Avant Money Credit Card you choose.
Everyday+ Card
Representative example: Assuming a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments:- Variable interest rate: 20.8%
- Annual Percentage Rate up to: 22.9%
- Total cost of credit: €169.00
- Total amount repayable: €1669.00
One Card & Reward+
Representative example: Assuming a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments:- Variable interest rate: 16.8%
- Annual Percentage Rate up to: 22.9%
- Government stamp duty: €30.00
- Total cost of credit: €166.50
- Total amount repayable: €1666.50
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Getting your first Credit Card
If you’re applying for your first credit card, our credit card guide can help you understand everything you need to know before you get started. From choosing the right card for your financial needs to understanding the application process, our guide is designed to help you make informed decisions with confidence. You’ll also find practical advice on how to use your credit card responsibly and manage repayments effectively.
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Switching Credit Cards
Making the most of your credit card means reviewing your current credit card and considering whether a card with better rates or benefits could better suit your needs. Switching to a new credit card may help you reduce interest costs, manage repayments more effectively or take advantage of additional features and rewards. Our Credit Card Switching Guide and credit card comparison above can help you explore your choices and make an informed decision.
Apply for a Credit Card with Avant Money today
Once you compare credit cards and decide which is the one for you, applying for a credit card with Avant Money is easy. Simply submit an application online by first checking your credit card eligibility. You can also apply for a credit card by calling our dedicated cards team between 8am and 8pm Monday to Friday, and 8am to 2pm on Saturday (excluding Bank Holidays). Read our Credit Cards FAQs
Call us today on:
(01) 448 5827
Please view our glossary to see financial terms explained simply
Lending criteria, terms and conditions apply. Rates correct as of 19th February 2026 and are subject to change. Avant Money credit cards are only available to customers over the age of 18 and resident of Republic of Ireland.
Everyday+ (1) Cashback applies at selected grocery retailers. Max. cashback €25 per month. 5% cashback valid for first 12 months; 1% thereafter. 0.1% cashback available all the time on other retail spend. Exclusions apply, see Everyday+ FAQs. (2)Government stamp duty of €30 will be charged to the account and refunded on the same day. (3) You will need to complete a balance transfer within the first 90 days of opening your account to avail of the promotional rate. Variable interest rate 20.8% will apply once the balance transfer promotional period ends. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rate.
One Card (4) Offer valid from 2nd February 2024. €150 cashback on One Card subject to a balance transfer of at least €1,000 within 90 days of account opening, cashback payable within six months of account opening. Certain transactions are excluded, see details at Credit Cards FAQs. (5) You will need to complete a balance transfer or money transfer within the first 90 days of opening your account to avail of the promotional rates. For any offers related to purchases, the promotional period commences from the date your account is opened. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. When the promotional offer ends any outstanding amount will be charged interest at your standard variable rate.
Reward+ (6)The 25% interest refund is payable on the interest charged on purchase transactions on your monthly statement. Refunds are payable a month in arrears to a maximum value of €24 per statement. Interest charged for cash transactions is not eligible to be refunded.(7) Offer valid from 2nd February 2024. €150 cashback on Reward+ card subject to minimum monthly spend of €500 in first three months with cashback payable within six months of account opening.