Updated September 28, 2026 · SumCue Editorial Team
Avant Money vs Emirates
Avant Money
Higher score in this comparison
Emirates
What sets them apart
| Compare | Avant MoneyReviewSee alternativesSee alternatives | EmiratesReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | €0 | $99 |
| APR | 6.1% to 19.9%Lower | 19.49% to 29.49% |
| Rewards type | Cashback | Miles |
| Rewards rate | 5% groceries and fuel first 12 months | 3 Miles per USD 1 on Emirates spend, 2 Miles per USD 1 on travel spend, 1 Mile per USD 1 on all other spend |
| Balance transfer intro period | 6 months | 12 monthsHigher |
| Currency conversion fee | Not confirmed | 0% |
| Balance transfer fee | Not confirmed | 5% |
| Credit needed | Excellent | Not confirmed |
| Perks | Not confirmed | Emirates Skywards Silver tier status for 12 months (Rewards World Elite Mastercard), Skywards Miles do not expire while the card account remains open, 25% discount on purchase or gift of Skywards Miles when paying with the card, Priority Pass Select lounge access (Premium World Elite Mastercard), USD 120 statement credit for Global Entry or TSA PreCheck application fee every 4 years (Premium World Elite Mastercard), No foreign transaction fees on international purchases |
| Cashback rate | 5% | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- Avant Money scores higher overall: 9.4 vs 9.1.
- Avant Money is available in 1 more country.
- APR is lower at Avant Money: 6.1% to 19.9% vs 19.49% to 29.49%.
- Balance transfer intro period is higher at Emirates: 12 months vs 6 months.
- Support channels: only Emirates offers Chat.
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.
Emirates
Emirates Skywards fits people who spend with the airline and travel often, and rewards their miles rather than their balance. Interest is costly at 19.49% to 29.49%, so the card only earns its place for customers who clear it in full each month.
Score breakdown
| Area | Avant Money | Emirates |
|---|---|---|
| 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. | 8.7Costs $99 a year, far above a €0 median across the cards ranked here. |
| Offer | 9.5Higher | 9.3Pays miles with no foreign transaction fee at 0%, plus tier status and lounge access. |
| Trust | 9.4Higher | 9.2 |
Where they rank in our lists
| Ranking | Avant Money | Emirates |
|---|---|---|
| Credit and debit cards | 156 of 1594 | 395 of 1594 |
| Balance transfer cards | 4 of 32 | 13 of 32 |
Pick Avant Money if, pick Emirates if
Pick Avant Money if cost and apr matter most.
Pick Emirates if balance transfer intro period matter most.
Every fact side by side
| Fact | Avant Money | Emirates |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Rewards | Rewards |
| Legal entity | AVANTCARD DAC | Emirates |
| Headquarters | Ireland | United Arab Emirates |
| Founded | Not confirmed | 1985 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Savings
| Fact | Avant Money | Emirates |
|---|---|---|
| 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 | Emirates |
|---|---|---|
| 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 | Emirates | Median |
|---|---|---|---|
| APR | 6.1% to 19.9%below the median | 19.49% to 29.49%above the median | 11.635 |
| Currency conversion fee | Not confirmed | 0%below the median | 1% |
| Balance transfer intro period | 6 monthslowest quarter | 12 monthsat the median | 12 months |
| Balance transfer fee | Not confirmed | 5%highest quarter | 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
Emirates
Pros
- Balance transfers cost 5% and carry an introductory period of 12.
- Skywards Miles do not expire while the card account stays open.
- Support runs on email, chat and phone, so phone, chat, email and a help centre are all covered.
Cons
- The annual fee of $99 sits far above bunq at €0.
- An APR of 19.49% to 29.49% is higher than the 14.45% median across ranked cards.
- Rewards are miles, so the value depends on how often you fly with Emirates.
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
Emirates
Who it suits
- Emirates flyers who put most of their spending with the airline and want miles that do not expire
- Travellers who pay abroad often, since the currency conversion fee is 0%
- Anyone redeeming miles for tickets rather than cash back, given the rewards type is miles
Who should look elsewhere
- bunq, where a fee of €0 suits readers who want no annual cost and no airline loyalty tie
- Wise, at £0, for a spending card held across currencies rather than a miles card
- Varo Believe Secured Credit Card, at $0, for building credit history rather than collecting miles
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
Emirates
Current offer
Bonus
Emirates Skywards Silver tier status for the first year with the Rewards World Elite Mastercard: Emirates Skywards Silver tier status for 12 months from card account open date
Primary cardholders only; to retain Silver tier from the second year onwards spend USD 20,000 in Net Purchases annually; status can take up to 8 weeks to reflect
Source, checked September 26, 2026
Bonus
Emirates Skywards Gold tier status for the first year with the Premium World Elite Mastercard: Emirates Skywards Gold tier status for 12 months from card account open date
Primary cardholders only; to retain Gold tier from the second year onwards spend USD 40,000 in Net Purchases annually; status can take up to 8 weeks to reflect
Source, checked September 26, 2026
Country by country
| Country | Avant Money | Emirates |
|---|---|---|
| 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.
Emirates
What does the Emirates credit card cost to hold?+
The card charges an annual fee of $99. Beyond that, the only other cost listed is a currency conversion fee of 0% on foreign purchases, so cardholders spending in another currency are not surcharged on top of the fee.
What interest rate applies to a balance?+
Balances carry an APR of 19.49% to 29.49%, above the 14.45% median across the cards ranked here. That rate is the reason the card suits people who pay in full, since interest at this level quickly outruns the miles earned.
Other options to compare
Other matchups
Avant Money
Emirates