Best Credit Cards for Home Insurance in 2026

It’s one of the first bills every homeowner pays: home insurance. As a result, it can be easy to set it and forget it, without optimizing. That could mean missing out on hundreds of dollars in cash back or rewards each year.

Aven looks out for homeowners. The company’s credit cards offer generous cash back that can help homeowners get more value from the home insurance premiums they already pay.

These are three of the best credit cards from Aven for home insurance premiums.

Best credit card for homeowners: Aven Home Equity Card

The Aven Home Equity Card is available only to homeowners and can be a strong choice for earning rewards on home insurance bills.

The Aven Home Equity Card is a home equity line of credit you can access with a Visa credit card. The card offers unlimited 2% cash back on purchases, including home insurance premiums. (See cash back terms and conditions. Some restrictions apply.)

Because your home equity backs the card, Aven can offer lower interest rates than many cash back or rewards credit cards. This can be valuable for homeowners with large annual home insurance premiums or other major home expenses. The Aven Home Equity Card also offers flexible funding options, including cash-outs and balance transfers. (A fee applies for cash-outs and balance transfers.)¹

If your home insurance provider accepts credit cards, you can use your Aven Home Equity Card to pay your insurance bill.

The Aven Home Equity Card is a favorite for:

Homeowners with large home insurance premiums to pay
People who occasionally carry balances
Homeowners looking to consolidate all of their housing expenses on one account

Best credit card for everyday use: Aven Rewards Visa Card

The Aven Rewards Visa Card² is a popular cash back credit card for everyday spending. Unlike other cash back or rewards credit cards, this one does not require you to enroll or track bonus categories every quarter to get richer rewards.

The Aven Rewards Visa Card currently provides 3% cash back on purchases for the first $10,000 in spending each year, including home insurance premium bills. After that, cardholders earn an unlimited 2% cash back. (See cash back terms and conditions. Some restrictions apply.)

Many credit card issuers don’t reward home insurance premium payments. Homeowners could earn a low cash back or rewards rate with most cash back or rewards credit cards. In contrast, the Aven Rewards Visa Card may provide one of the top rates for insurance bill payments.

The Aven Rewards Visa Card is a fan favorite among:

Renters
Homeowners
People who pay off their credit card balances in full each month
Consumers who want to be rewarded for their home insurance payments and other everyday expenses
People who want a traditional credit card

Best credit card for bitcoin holders: Aven Bitcoin Visa Card

The Aven Bitcoin Visa Card was designed for long-term bitcoin holders and investors. It’s a bitcoin-backed line of credit, which you can also access and use as a credit card.

The Aven Bitcoin Visa Card is backed by your bitcoin collateral, like how a homeowner’s home equity supports a home equity line of credit. This means long-term bitcoin holders can put their bitcoin to use without having to sell it or risk giving up future gains or triggering potential tax events.

Cardholders can earn unlimited 2% cash back when they use their Aven Bitcoin Visa Card to make credit card purchases. (See cash back terms and conditions. Some restrictions apply.)

The Aven Bitcoin Visa Card also offers draws from the line of credit into a cash-out or balance transfer with a fixed-rate, fixed-term plan of up to 10 years. It also offers an interest-only, fixed-rate plan with full principal due at maturity for up to five years. (A fee applies for cash-outs and balance transfers.)³ These payment structures provide another way for homeowners to manage large home insurance premiums.

The Aven Bitcoin Visa Card is a popular pick with:

People who hold bitcoin as part of their finances
Bitcoin-holders who need to pay everyday bills, such as their home insurance premiums or other housing expenses
People who want another way to use their bitcoin, but don’t want to sell their bitcoin

Can you pay your home insurance premium with a credit card?

Yes. Many home insurance companies accept credit card payments. In many cases, you can pay online, through an app or over the phone. Some insurers accept one-time payments or automatic payments. There may be fees for installment payments, so check with your insurer before enrolling or paying.

Can you set up automatic home insurance payments with a credit card?

Yes. Many home insurance providers allow policyholders to save their credit card information and make automatic payments.

Do home insurance companies charge fees for credit card payments?

Sometimes. Some home insurers charge convenience or credit card processing fees.

Make sure to check with your home insurance provider or insurance broker or agent before making a credit card payment or setting up any automatic payments.

Should you pay for your home insurance with a credit card?

Some homeowners prefer to pay their home insurance bill with a credit card because it can simplify budgeting, consolidate house expenses, or offer cash back or other rewards.

Do home insurance bills count toward credit card rewards?

Many home insurance premium payments are standard purchases that qualify for cash back or rewards. Check your credit card’s terms and conditions to confirm eligibility.

Can paying your home insurance premium with a credit card hurt your credit?

Not necessarily. Paying home insurance premiums with a credit card can help build credit if paid on time.

Keep in mind: Carrying large balances or missing payments can impact your credit negatively.

The bottom line

Many homeowners pay thousands of dollars in home insurance premiums each year and could be leaving money on the table if they don’t use the right credit card. Aven offers several credit cards that can reward homeowners when they pay their home insurance premiums.

This article is for educational purposes only and is not intended to be used as financial, credit or legal advice. It does not constitute an offer for any product.

Aven accounts are arranged by Aven Financial, Inc., dba "Aven" (or "AvenCard" in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info.

Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional information or complaints to Coastal Community Bank, visit www.federalreserveconsumerhelp.gov. For more information, you can also visit Coastal Community Bank’s privacy policy.

For licensing information, go to www.nmlsconsumeraccess.org

¹ Aven Home Equity Card is a home equity line of credit featuring fixed rate plans and a variable rate revolving line of credit, each with its own annual percentage rate ("APR"). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section ("Index") plus a margin that takes into account your creditworthiness, collateral value, etc. The Index as of June 17th, 2026, was 6.75%. The APR will not exceed 14.99%. Best rates for most qualified borrowers on primary residences. Headline rate available for credit limits of $175,000 or less. The fixed APR for fixed-term plans (aka Aven Simple Loans) is based on your variable APR and other factors at the time you agree to the Aven Simple Loan. The fixed APR will not change during the loan's term. For cash outs and balance transfers, there is a 2.5% fee on the amount transferred. Based on your property's location, there may be recording fees and in-person signing costs, including attorney fees. You are responsible for all recording fees and in-person signing costs, including attorney fees. See Pricing & Terms for details. Terms are subject to change.

If your Aven account is refinancing an existing lien, there is a fee of 2.5% of the total payoff amount of the existing lien. Your account may not be activated until the holder of your existing lien acknowledges receipt of your payoff amount.

Your applicable APR assumes a 0.25 percentage point discount for enrolling in AutoPay within 25 days after account opening and then staying enrolled. You are not required to enroll in AutoPay. See AutoPay Terms & Conditions for more details and restrictions.

² Aven Rewards Card features a revolving line of credit and may have fixed rate plans, each with its own annual percentage rate ("APR"). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section (“Index”) plus a margin that takes into account your creditworthiness. The Index as of June 17th, 2026, was 6.75%. Best rates for most qualified borrowers. The APR will not exceed 36%. The fixed APR for fixed-term plans (aka Aven Simple Loans) is based on your variable APR and other factors at the time you agree to the Aven Simple Loan. The fixed APR will not change during the loan's term. For initial cash outs and balance transfers, there is a 2.5% fee on the amount transferred. Subsequent cash outs and balance transfers have a 2.5% fee on the amount transferred. See Pricing & Terms for details. Terms are subject to change. Account activation is subject to income and ID verification.

³ Aven Bitcoin Card is a variable rate revolving line of credit with fixed-rate, fixed-term plans, or interest only plans to certain applicants, each with its own annual percentage rate (“APR”). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section (“Index”) plus a margin. The margin is determined based on multiple factors, including the loan-to-value ratio you select at the time of account creation. The Index as of June 17th, 2026, was 6.75%. The APR will not exceed 14.99%. The fixed APR for a fixed-term loan (aka Aven Simple Loan) is based on your variable APR and other factors, including the loan-to-value ratio you select at the time of account creation. The APR for either of these plans are fixed for the term of the plan. For cash outs and balance transfers, there is a 1% fee on the amount transferred.

A 2% liquidation fee applies in a full liquidation. See Pricing & Terms for details. Terms are subject to change.

Coastal Community Bank is not the issuer or custodian of bitcoin. Bitcoin is not FDIC insured.

The price of bitcoin can change. Bitcoin-backed loans carry risks, including the potential for liquidation if collateral values change because of market volatility.