Avon Visa Platinum Credit Card Review

Review of the Avon Credit Card



avon credit card Summary - The Avon Platinum Visa Card is a card targeted at those looking to use rewards for Avon products. But is this really the best card to get for Avon products? I'll actually show you a better alternative at the end of the review. Find out....

Reward Formula - You earn 1 Avon Reward Point for every dollar you spend on the Avon credit card. Once you have spent $2,500, you will be issued a $25.00 Avon Beauty Reward certificate, which can be used for any Avon products. You also earn 2,500 points (and hence a $25.00 certificate) after your first purchase.

Fees - The Avon credit card has no annual fee. The apr is prime rate plus 5.99%, 9.99% and 14.99%. This card uses the average daily balance method (including new purchases) to calculate monthly balances. Your apr is also 0% for 12 billing cycles on both purchases and balance transfers.

Conclusion - The Avon Platinum Visa Card is a basic reward card that pays essentially a 1% rebate which can be used for Avon purchases. But if you are considering this card, I would suggest a better alternative..

Better Alternative - I would actually suggest that you consider the Discover More Card instead. The reason is because Discover has a program called shopdiscover.com, in which they have partnerships with over 100 retailers. Avon is one of their partners. When you shop at Avon.com through shopdiscover.com using your Discover Card, you can get 5% cash back bonus (which is the same as getting a 5% discount) - watch the video above. Contrast this to getting what is a 1% rebate equivalent when you use the Avon credit card.

Furthermore, with the Discover Card, you can actually earn rebates not just at Avon.com, but at over 100 well-known retailers as well. So if you thinking of getting the Avon credit card, get the Discover More Card instead.

Avon Credit Card
Reward Formula
Point Accumulation Earn 1 Avon Reward Point for every dollar you spend on purchases
Cost/Fees/Interest rates
Introductory rate 0% fixed APR for 12 billing cycles (purchases and balance transfers)
Annual Fees No annual fee
Purchase APR Prime Rate plus 5.99%, 9.99% or 14.99%
Balance Transfer APR Prime Rate plus 5.99%, 9.99% or 14.99%
Cash Advance APR Prime Rate plus 14.74%
Penalty/Default Rate Prime Rate plu 23.99%
Min Finance Charge $1.00
Grace Period 20 days
Balance Calculation Method 2-cycle average Daily Balance (including new purchases)
Balance Transfer Fee 3% min $5.00 max $75.00
Convenience checks fee 3% min $5.00 max $75.00
Cash Advance fee 3% min $10.00
Foreign Currency Conversion fee 3%
Over-the-credit-limit fee $35.00
Late Payment fee $15.00 - up to but not including $250.00
$39.00 - more than $250.00