VisaAven Home Equity Visa Card
A HELOC that swipes like a credit card, with 2% back and single-digit APRs.
Welcome Bonus
None
No standard welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
620+
(home equity drives approval)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 7xHotels booked through the Aven travel portal
- 2xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Credit line of $5,000 to $400,000 backed by home equity
- ✦Variable APRs from roughly 7.49% to 14.99% on primary residences, far below unsecured cards
- ✦Cash outs and balance transfers to your bank at a 2.5% fee
- ✦No annual fee, no origination or prepayment fees, approval in minutes with e-notary
Why it earns its spot
- +Carried balances cost roughly half of what normal cards charge
- +2% back plus 7% portal hotels on a no-fee card
- +Huge credit lines unlock renovation-scale spending
Where it costs you
- −Your house is the collateral, default puts it at risk
- −2.5% fee on cash outs and balance transfers
- −A lien on your home complicates refinancing and selling
The Compound Verdict
Aven is the rare genuinely new idea in cards: HELOC pricing with credit card convenience and a real 2% earn. For disciplined homeowners who occasionally carry a balance, it beats every unsecured APR in the market. But securing grocery runs with your house demands respect, treat the line like the mortgage product it legally is.
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