Avant Money One Card
Enjoy 0% interest on balance transfers for 9 months, 0% on purchases for 3 months, and earn €150 cashback on transferring €1,000+. Typical APR 22.9%.
The Avant Money One Card stands out among balance transfer offers in Ireland. With 0% interest on balance transfers for nine months and an extra €150 cashback after transferring €1,000 or more within 90 days, it’s a strong option for clearing credit card debt. The typical APR after the offer period is 22.9%. Purchases get 0% interest for the first 3 months, making it appealing for short-term borrowing too. The card is designed for applicants meeting Avant Money’s lending criteria, and government stamp duty of €30 per year applies.
How to Apply: Step-by-Step
Begin by gathering your personal and financial details. Complete the online application form, providing proof of income and identification. Ensure your credit limit will cover your intended transfer amount. Once approved, transfer the balance – you must do so within 90 days to qualify for the €150 cashback reward. Follow up by setting up monthly payments to avoid missing any due dates and retain 0% promotional rates.
Key Benefits of Avant Money One Card
This card’s introductory 0% balance transfer rate for 9 months helps you save substantially on interest payments, giving you time to pay down your debt. In addition, new cardholders can earn €150 cashback by transferring at least €1,000, a valuable bonus that puts money back in your pocket. The 0% rate on purchases for the first 3 months offers added flexibility.
Potential Downsides to Consider
The 0% period on balance transfers is limited to 9 months; if you do not clear your debt within this period, the higher 22.9% APR applies. Notably, eligibility depends on passing the provider’s credit check, and terms may exclude some transaction types from cashback bonuses, so reading full conditions is vital. Exceeding your credit limit or missing a payment could result in losing the promotional rate.
The Verdict
The Avant Money One Card is an excellent choice for those looking to move their balance and pay it off within nine months, particularly given the €150 cashback. It’s a strong, well-rounded offer best suited for people able to consistently meet their minimum repayments and not planning to carry debt beyond the 0% period. Ensure to check all eligibility and cashback conditions before applying for the most benefit.
