Low Variable APRs1
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This will NOT affect your credit score.
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What is it
Home Equity Rates Get the low rates of a homeowner with equity, including the ability to Cash Out. Plus, it’s done really, really fast, all online.
Credit Card Simplicity & Rewards Get the power of a Visa credit card, a simple app, and cashback rewards. Plus, the ease of paying it back like a credit card.
How it works
Answer a few simple questions to quickly confirm your identity and home.
A flexible yet simple process to instantly verify your bank account, pay stubs, or bank statements. You pick which one works for you.
Simply and easily connect with our notary to sign your documents entirely digitally.
Reduce interest by up to 50%2. See what you could save on a $10,000 balance if you're trying to pay it off over 3 years.
Bank of America Cash Rewards3
Capital One Platinum3
Estimate assumes no additional transactions are made and the suggested “monthly” payment is paid every month for 3 years. Paying only the min payment of 1% principal & interest increases the “Total” amount paid and will not pay off the balance in 3 years. See Min Payment Example for repayment using min payment.
An Aven customer gained $165 in cashback at Home Depot with a $11,000 purchase.
Recently a family is saving $3,777 a year on their credit card bill by balance transferring to Aven.6
A recent Aven traveler spent $2,000 on a wonderful AirBnB vacation.
An Aven customer received $176 in cashback recently from an $11,700 purchase.
Can’t believe everything, from start to finish, took place in couple hours. In my case, it probably took more time because of a technical glitch on my side. Initially I liked Aven’s idea but was skeptical, but later I fell In love with it after I saw their process and approach in delivering what they promise. To me getting a HELOC approval in couple hours is like recent space trips taken by Branson and Bezos... that are quick, accurate, and fascinating. The astonishing part is the virtual notary. When everything is online in this digital age, why not notary? Thanks to technology and Aven. HELOC approval is no longer a painful process. Jag is so supportive in getting things done when I hit a roadblock during the approval process. I would strongly recommend Aven to my network of people.
David and Veronica California
I am truly happy with my Heloc application process with Aven! Everything was done online and only took minutes! I'm also glad that I have the ability to use my equity funds according to my needs. The interest rate is very competitive and the process is very simple and straight forward. Jag helped me every step of the way and he is very knowledgeable and answered all my questions very efficiently! even the notary process is awesome! Katelyn went out of her way to schedule my husband's signing on the same day and because of that we were able to finalize our loan on the same day that i applied! thank you Aven team! i am very impressed and very grateful!! I look forward to working with Jag and the rest of the Aven team!
Aven is amazing. They stand by their commitment to offer best rates. They offered me a great rate to start with, but then they matched me with a better rate without any hassles. Highly recommend it.
Awesome company and service. Plan to be Aven strong for life.
If I miss a payment, does this impact my home?
Why not get a home equity line of credit instead?
What are the criteria to qualify for this credit card?
Terms of Service
© 2021 Aven
1. APR (Annual Percentage Rate) is the cost of credit as a yearly rate and does not include costs other than interest. It is a variable rate based on the Prime Rate plus a margin that doesn't change. The Prime Rate is the highest prime rate published in The Wall Street Journal "Money Rates" table (the "Index"). The Index as of August 3, 2021 is 3.25%. Your initial APR is based on your creditworthiness when you open your account. The maximum APR will not exceed 18% during the life of your account. Cash Out (draw to bank account) fee and Balance Transfer fee is 2% of amount transferred.
3.49% APR includes a 0.50% discount for customers with 800+ FICO score. To keep discounted rate, you must attain a $25,000 balance within 30 days of Account-opening and enroll in AutoPay, or APR will increase by 0.50%. Unenrolling from AutoPay will increase your APR by 0.50%.
2. Our APR is 3.49-10.99%. The average for other cards in the US for people with good credit is over 19% APR. (Source: "What is the average credit card rate?" https://wallethub.com/edu/cc/average-credit-card-interest-rate/50841/) wallethub.com on 7.13.21, showing the average rate for credit cards in the US for people with good credit is 19.49% APR.
3. These comparison charts use the midpoint of each card's APR range. Sources: Capital One Platimum, Chase Freedom, Bank of America Cash Rewards Card
4. Source: "Home Equity Loan Rates" https://www.bankrate.com/home-equity/home-equity-loan-rates/. Source: "How Long Do I Need to Wait for a Home Equity Line?" https://homeguides.sfgate.com/long-need-wait-home-equity-line-88547.html. Source: “Average Credit Card Limit” https://turbo.intuit.com/blog/credit-cards/average-limit-4991/ . Source: “What’s a Good Personal Loan Interest Rate?” https://www.experian.com/blogs/ask-experian/whats-a-good-interest-rate-for-a-personal-loan/. Source: “Personal Loan Statistics” https://www.lendingtree.com/personal/personal-loans-statistics/. Source: “2019 Credit Fee Study: What is Normal?” https://creditcards.usnews.com/articles/fee-survey. Source: “What to know about personal loan origination fees” https://www.creditkarma.com/personal-loans/i/personal-loan-origination-fees.
5. Applies to valid purchases (net of refunds or returns) made using the Aven card, and does not apply to non-card transactions, including balance transfers, cash-outs or reward redemptions. Cashback is accumulated as points and redeemable as statement credit. Refer to Rewards Terms & Conditions.
6. Based on transferring $45,735 from a 14% APR personal loan (estimated APR from monthly payments on bureau data) to a 5.74% APR Aven Card. Assumes outstanding balances remains the same throughout the year.
Subject to credit approval. Certain terms and conditions may apply. Terms may vary by applicant and are subject to change. Not available for properties located in Special Flood Hazard Areas. Only available to US residents whose primary residence is in California. No 3rd lien positions. Not available for multi-unit homes.
Aven is a service mark and registered DBA of Aven Financial, Inc. Aven reserves the right to modify or discontinue its products or offerings at any time without notice.
The Aven Card is 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. NMLS #462289 (NMLS Consumer Access Page)
Aven cards are arranged by Aven Financial, Inc., a real estate broker licensed by the California Department of Real Estate. License #02128983, NMLS #2042345. Responsible broker Anthony Smernes, Jr., license #00477863.
330 Primrose Road Suite 412, Burlingame, CA 94010
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