Right credit limit for you
The Ava Credit Builder Card’s limit is based on your spending habits. Spend responsibly, make payments on time, and watch your credit history soar!
No interest
Use your Ava Credit Builder Card to pay eligible subscriptions you’re already paying for — with no interest and no additional card fees, ever.
Reports to all bureaus
We report your payments to all three major credit bureaus, helping your credit history climb faster with every on-time payment.8
Use everyday bills to build your credit
Use a small portion of your Ava Card limit each month — we recommend setting it to cover an eligible subscription like Netflix — so your payments run automatically and can help you build credit over time.
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One of the highest rated credit building apps
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.
All FAQsWhat is the Money Back Guarantee?
How does Ava’s Money Back Guarantee work?
If you don’t see Ava on your credit report within 30 days of joining, we’ll refund your membership fee as long as your account remains active for at least 7 days after your membership date. This ensures we have sufficient time to process and report your account accurately.
How to Request a Refund
Email your Money Back Guarantee request to support@meetava.com, and we’ll review and process your refund if you qualify under the terms below.
Eligibility
To qualify for the Money Back Guarantee:
- Your Ava account must have been active for at least 7 days from your membership date.
- Ava must not appear on your credit report within 30 days of your membership date.
- Your refund request must be submitted between day 31 and day 45 after your membership date.
Requests made before day 31, after day 45, or for accounts canceled within the first 7 days of activation are not eligible for the Money Back Guarantee.
Processing
In your email, please include your account details. Once approved, we’ll process a full refund of your membership fee.
If a refund is issued, your Ava account will be closed upon processing.
Additional Terms
- Accounts canceled within the first 7 days are subject to the early cancellation fee, which may be up to your monthly membership price (minimum $9).
- Annual members who cancel within 7 days are subject to a $29 early cancellation fee.
- The Money Back Guarantee applies only to the failure of Ava’s appearance on your credit report within 30 days of your membership and not to other service disputes or cancellations.
How does the Ava Credit Builder Card work?
How the Ava Credit Builder Card works
The Ava Credit Builder Card works like a traditional credit card but includes features to help you spend responsibly and build credit over time.
Credit Limit
- Your account may have a credit limit of up to $2,500.
- This is what is reported to the credit bureaus.
- You can spend up to your credit limit in the Ava store.
Spend Limit
- Within your credit limit, we set a Spend Limit.
- Your Spend Limit is the maximum amount you can spend on eligible merchants during a billing cycle.
Where you can use your Spend Limit
- You can use your Spend Limit at 60+ Ava-approved online merchants (for example, Netflix, Spotify, Amazon Prime).
- You can also use your Spend Limit in the Ava Store.
- You can spend up to your total Spend Limit across all eligible merchants and the Ava Store in each billing cycle.
- You can see the full list of Ava-approved merchants on our merchants page.
How this can help your credit
- Using your card within your limits and making on-time payments can help keep your credit utilization in a healthier range, which is one factor that can affect your credit score.
- We report your account status, including your balance and payment history, to the credit bureaus, which can help you build credit history over time.
Why does Ava exist?
Ava is here to help you build credit history and save money on debt. The best way to tackle debt is to find the lowest cost of debt possible so you pay as little as necessary. We create a personalized step by step plan — first by helping you build (or rebuild) your credit history.
How do you handle data and security?
We never sell your data or save your banking login. All your personal information is kept safe with 256-bit encryption.
Which credit bureaus do you report to?
We report to ALL three major bureaus (unlike most credit building products in the market). We report your file to TransUnion, Equifax and Experian within the first week of you joining Ava. You should see the Ava tradeline on your credit report within a week. Our goal is to help you add credit history as soon as possible. 74% of our members see a score improvement in 7 days or less1. We believe you should not have to wait months to start seeing results.
