Aven Home Equity Visa Card
By Alex Compton · Last verified
A HELOC that swipes like a credit card, with 2% back and single-digit APRs.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo standard welcome offer | Archive record · no attached snapshot |
| 2024-01 | $0 | No recorded spend | Earliest recordNational rollout with Coastal Community Bank | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 7xHotels booked through the Aven travel portal
- 2xAll other purchasesUnlimited
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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