Updated September 28, 2026 · SumCue Editorial Team
Avant Money vs Discover
Avant Money
Higher score in this comparison
Discover
What sets them apart
| Compare | Avant MoneyReviewSee alternativesSee alternatives | DiscoverReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | €0 | $0 |
| APR | 6.1% to 19.9%Lower | 18.49% to 28.49% |
| Rewards rate | 5% groceries and fuel first 12 months | 1% cash back on all other purchases; 5% cash back in rotating categories, plus dollar-for-dollar match in first year |
| Balance transfer intro period | 6 months | 15 monthsHigher |
| Credit needed | Excellent | Good |
| Balance transfer fee | Not confirmed | 3% |
| Perks | Not confirmed | $0 fraud liability on unauthorized purchases, Unlimited Cashback Match: dollar for dollar match of cash back earned in the first 365 days, Free CreditWise credit monitoring and FICO Score 8 access, Pre approval tool that does not impact your credit score, Card Lock in the mobile app, 99% nationwide acceptance (Nilson Report, Feb 2026), Virtual card available before the physical card arrives, if eligible |
| Cashback rate | 5% | Not confirmed |
Same on both: Rewards type (Cashback), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Avant Money scores higher overall: 9.4 vs 9.2.
- Avant Money is available in 1 more country.
- APR is lower at Avant Money: 6.1% to 19.9% vs 18.49% to 28.49%.
- Balance transfer intro period is higher at Discover: 15 months vs 6 months.
- Support channels: only Avant Money offers Email.
- Support channels: only Discover offers Chat.
- Pricing model: only Avant Money offers Fixed rate.
- Pricing model: only Discover offers No annual fee.
Our verdict on each
Avant Money
Avant Money suits Irish borrowers with an excellent credit record who want a fixed rate personal loan at 6.1% to 19.9% with no set up fee. The group also lends for cars, home works and debt consolidation, and takes fixed term deposits, so the offer runs past a single product.
Discover
Discover suits people with a good credit history who want plain cash back and an annual fee of $0. The trade off is a balance transfer charge of 3% and an APR of 18.49% to 28.49%, so the savings depend on clearing balances and paying in full each month.
Score breakdown
| Area | Avant Money | Discover |
|---|---|---|
| Cost | 9.3HigherCosts rest on interest rather than fees: APR of 6.1% to 19.9% on the personal loan, a mortgage product fee of €185. | 9.2Fee free to hold with an annual fee of $0; borrow rates are the weak spot at 18.49% to 28.49%. |
| Offer | 9.5Higher | 9.4Cash back on all spend, a match in the opening year, a transfer window of 15 and phone support via phone, chat and help centre. |
| Trust | 9.4Higher | 9.2 |
Choosing between them
Pick Avant Money if apr matter most.
Pick Discover if balance transfer intro period matter most.
How they place
| Ranking | Avant Money | Discover |
|---|---|---|
| Credit and debit cards | 156 of 1594 | 306 of 1594 |
| Balance transfer cards | 4 of 32 | 10 of 32 |
Also worth a look
Nexo has apr at from 1.9%, against 6.1% to 19.9% for Avant Money and 18.49% to 28.49% for Discover.
Nexo reviewWhere these facts come from
Avant Money
- avantmoney.ie: 11 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Discover
- discover.com: 12 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- capitalone.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Avant Money | Discover |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | AVANTCARD DAC | Discover by Capital One, N.A. |
| Headquarters | Ireland | United States |
| Founded | Not confirmed | 1985 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
Savings
| Fact | Avant Money | Discover |
|---|---|---|
| Headline rate | 2.72% | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Term | 12 to 120 months | Not confirmed |
| Minimum deposit | €2,000 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | One withdrawal of up to 25% of the balance after the first 8 weeks; no full withdrawal until maturity | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Fixed | Not confirmed |
Mortgages
| Fact | Avant Money | Discover |
|---|---|---|
| Initial rate | 3.2% | Not confirmed |
| APRC | 3.62% | Not confirmed |
| Fixed period | 4 years | Not confirmed |
| Maximum loan to value | 90% | Not confirmed |
| Product fee | €185 | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer | Not confirmed |
| Lender type | Direct lender | Not confirmed |
Where each stands against the rest
| Fact | Avant Money | Discover | Median |
|---|---|---|---|
| APR | 6.1% to 19.9%below the median | 18.49% to 28.49%above the median | 11.635 |
| Balance transfer intro period | 6 monthslowest quarter | 15 monthsabove the median | 12 months |
| Balance transfer fee | Not confirmed | 3%at the median | 3% |
| Cashback rate | 5%highest quarter | Not confirmed | 1.5% |
Median across 486 listed providers.
Pros and cons
Avant Money
Pros
- No set up fee on the home improvement loan, at 0 (no set up fee)
- Personal loan APR of 6.1% to 19.9% on a fixed rate, against a group median of 14.43%
- Free early repayment on personal loans, so settling ahead of schedule costs nothing
Cons
- Credit checking is hard and the credit bar is excellent, a standard only 2.8% of lenders in the group ask for
- The top of the personal loan rate range is 6.1% to 19.9%, so what you pay depends on your own credit profile
- The deposit is fixed with a €2,000 minimum, and access before maturity is limited to a single partial withdrawal
Discover
Pros
- An annual fee of $0, and Discover ranks 1 of 312 brands on that measure.
- Cash back on all purchases plus a matching amount added in the opening year, on a card that costs $0 to hold.
- A balance transfer offer of 15 at 3%, against a group median of 2.72% on headline rate.
Cons
- The APR of 18.49% to 28.49% runs well above the credit card median of 16%, so carrying a balance month to month is expensive.
- The balance transfer charge of 3% lands on top of an offer of 15, which cuts into what the transfer saves.
- The higher cash back rate sits in rotating categories, so the rate earned on a given purchase can move from month to month.
Who each suits
Avant Money
Who it suits
- Adults living in Ireland who can show repayment capacity and financial status
- Borrowers consolidating existing debt, since personal, car and debt consolidation includes consolidation
- Home owners planning works, given the home improvement loan
Who should look elsewhere
- Cashspace, for borrowers outside Ireland, since it quotes PHP 12 to PHP 36 and Avant Money lends only to Irish residents
- Creduma ES, for a larger euro loan, since Creduma ES starts at from €12,000 against €5,000 to €75,000 here
- Sofkredit, for a Spanish lender, since Sofkredit quotes 10.74% to 18.06% under a Banco de España licence
Discover
Who it suits
- People with a good credit history who spend across many merchants and want cash back rather than points.
- Anyone clearing an old balance and happy to pay 3% to move it inside 15.
- Cardholders who would rather call than email, since the listed routes are phone, chat and help centre.
Who should look elsewhere
- Not for anyone who needs no interest at all on what they owe: Varo Believe Secured Credit Card lists an APR of 0%.
- Not for readers who judge on the annual fee alone: bunq and Wise both sit at €0 and £0, so the deciding facts here are 15 of transfers at 3% and the cash back match.
Current offers
Avant Money
Current offer
Bonus
1% cashback incentive on new or top-up One Mortgages (mortgage product): 1% cashback, e.g. borrow EUR 400,000 and receive EUR 4,000
Eligible new or top-up One Mortgages drawn down between 1 January 2026 and 31 December 2026; cashback paid within two months of drawdown; lending criteria, terms and conditions apply
Source, checked September 26, 2026
Discover
Current offer
Bonus
Discover it Cash Back $200 welcome bonus: $200 statement credit after spending $500 on purchases within 3 months of account opening
One-time, new cardholders only, available by clicking Apply Now on the page; may not be available if you navigate away or close the page
Source, checked September 26, 2026
Bonus
Unlimited Cashback Match on Discover it Cash Back: Dollar-for-dollar match of all cash back earned in the first 365 days, no limit
For new cardholders; no purchase minimums; offered from account approval through first 365 days; promotional offer may not be available in the future
Source, checked September 26, 2026
First period offer
0% intro APR on Discover it Cash Back: 0% intro APR for 15 months on purchases and balance transfers
Eligible customers only; 18.49% to 28.49% variable APR after that; balance transfer fee applies
Source, checked September 26, 2026
Country by country
| Country | Avant Money | Discover |
|---|---|---|
| Ireland | Yes | No |
| Spain | Yes | No |
| United States | No | Yes |
Questions about each
Avant Money
How much can I borrow from Avant Money and over what term?+
The personal loan runs from €5,000 to €75,000 over terms of 12 to 120. Avant Money lends direct rather than through a broker, and the rate is fixed, so the quoted figure holds for the life of the loan rather than moving with the market. Longer terms cut the monthly payment and raise the total repaid.
What APR do I pay on a personal loan?+
The personal loan is priced at 6.1% to 19.9% on a fixed rate. The personal loan median across the group is 14.43%, so the range opens below the middle of the market, and the point inside the range you are offered depends on your credit profile.
Discover
What does Discover cost to hold the card?+
The annual fee is $0, and on that measure Discover sits at 1 of 312 brands on the site, so holding the card costs nothing at the front door. What you do pay is interest on a carried balance, which runs at 18.49% to 28.49%. Card offers are judged on both numbers.
What are the balance transfer terms?+
The transfer offer runs for 15 and the charge is 3% on the balance you move. Read the two together: the window sets how long you have to clear the old balance, and the charge sets what the move costs. It is a one off cost attached to the transfer rather than a running fee.
Other options to compare
Other matchups
Avant Money
Discover