Avant Money
0% APR for 9 months on balance transfers and 12 months on money transfers. €150 cashback when you transfer €1,000+ within 90 days. Typical APR 22.9%.
Avant Money’s One Card stands out for offering an enticing 0% interest on money transfers for a full 12 months, an attractive element for those looking to consolidate debt or manage large purchases interest free. There’s also an impressive 0% balance transfer rate for up to 9 months and a 0% rate on purchases for 3 months. A typical APR after introductory rates is 22.9% and, as an added incentive, customers who transfer €1,000 or more to their card within 90 days of account opening can enjoy €150 cashback.
How to Apply for Avant Money One Card
- Check your eligibility based on income and credit history.
- Gather required documents like proof of ID and address.
- Complete the online application form on the provider’s website.
- Submit supporting documents electronically if requested.
- Wait for the approval decision, often within a few days.
Strong Advantages
The 0% interest on money transfers and balance transfers is highly competitive for the Irish market, offering substantial savings on existing debts. The €150 cashback for balance transfers over €1,000 is a valuable bonus for new customers meeting the qualifying criteria.
Furthermore, the straightforward online application process and transparent terms add to its appeal, as does the flexibility to spread the cost of purchases using the introductory offers.
Potential Disadvantages
Once the introductory rates expire, the typical APR of 22.9% applies, which is at the higher end of the market. Additionally, not all cardholders may be eligible for the welcome cashback offer as it is subject to specific balance transfer activity.
There’s also an annual government stamp duty fee of €30 attached to every Irish credit card, which some consumers may overlook when budgeting.
Verdetto finale
The Avant Money One Card is a top choice for those seeking to reduce interest outgoings, especially if you have debt to transfer or plan a large purchase. With a generous introductory period and cashback incentive, it offers solid value, but always consider if you can repay in full before the higher APR kicks in. Overall, it’s a strong contender for the best credit card offers in Ireland this year.
