Earn 2% unlimited cash back
One of the only Visa<sup>®</sup> credit cards that earns you unlimited 2% cash back on every single purchase – no limits.2
The Sharks and Aven both call the Bay Area home, and that shared hometown pride is the foundation of this partnership. This partnership embraces the innovative spirit that defines Silicon Valley by amplifying the best of each organization while investing in our customers and community.”
Jonathan Becher
President of Sharks Sports & Entertainment
Send cash to your bank
Directly deposit cash from your Aven card to your bank account at the same low rate. 1% transfer fee.3
Balance transfer flexibility
Transfer high-interest credit card or personal loan debt and pay the same low rate – save thousands. 1% transfer fee.3
No annual fee
No annual, cancellation or prepayment fees. Get all the premium card features you expect, but without all the fees.
Homeowner protection guarantee
We offer a Foreclosure Protection Guarantee4 and flexible repayment options to ensure your home's security.
Only use what you need
Like any credit card, only use what you need when you need it. No gimmicks or minimum obligations.
Funding in as fast as 3 days.
100% online application.
- 1
Check your offer — as fast as 3 min
Get your APR and line size in minutes. Checking your pre-qualification offer does not affect your credit.
- 2
Sign and notarize digitally – as fast as 15 min
Connect with our notary to sign your documents entirely online in most states. Income and credit approval required.
- 3
Access to funds – as fast as 3 days
Get funds in as fast as 3 days—and your card ships right away so you can start saving and earning cash back.
Everybody markets their product that it is the best thing since sliced bread, but actually it was amazing. I applied, went through the process and couldn’t believe how quickly the whole thing happened.
Raitis S.
Entrepreneur
When I shifted over to Aven and all these cards got paid off, my credit score skyrocketed... I tell my friends at work, you have to get this card, this is where it is at.
Edward T.
Hollywood Set Dresser
It just seemed like such a no brainer option. It avoided all of the traditional banking issues. It was such an easier option than any other traditional HELOC.
Mary C.
Restaurant Manager
No way is it that easy. Because nothing is that easy. If it’s that easy, it’s normally too good to be true.
Said S.
MMA Fighter
It turned out to be a very easy process... It’s given us a tremendous amount of breathing room that we did not have before.
Bill & Joana
Retirees
Save up to 50% interest.
Every month.5
Stop paying thousands a year in interest from your high interest debt, like a credit card or personal loan. See the savings on a $10,000 balance if paying off over 3 years.
Capital One Platinum
Chase Freedom
Bank of America Cash Rewards
Mid APR
9.24%
30.49%
24.62%
22.99%
Monthly
$319.12
$427.20
$395.59
$387.05
Total
$11,488.32
$15,379.20
$14,241.24
$13,933.80
Unnecessary Interest Paid
$0
$3,890.88
$2,752.92
$2,445.48
The Unnecessary Interest Paid is the interest we will save you over those banks. Estimate assumes no additional transactions are made and the suggested "monthly" payment is paid every month for 3 years. Paying only the minimum payment of 1% principal & interest increases the "Total" amount paid and will not pay off the balance in 3 years. See Minimum Payment Example for repayment using minimum payment.
We’ve got your back.
Trusted by over 350,000 customers.
Homeowner Protection
Get peace of mind with our Foreclosure Protection Guarantee4, so you can focus on what’s most important.
Backed by FDIC-insured bank
We are partnered with Coastal Community Bank, Member FDIC, pursuant to license by Visa USA Inc.
Explore ways to use Aven
Use it for home improvements, business expenses, to pay off high-interest debt, education, or other investments. Use what you need, when you need, how you want.
P.S. Did you know home improvement projects may be considered tax deductible! Consult a tax advisor regarding the deductibility of interest and charges.
Questions?
The Aven Home Equity Visa® Card is a credit card linked to a home equity line of credit (HELOC) to get you really low rates. It works like any other credit card where you can make everyday purchases and earn 2% unlimited cash back.3
Yes! For well-qualified customers, we offer the option for predictable monthly payments on balance transfers and cash outs with an Aven Simple Loan.6
Aven gives you options. You can choose an Aven Simple Loan with fixed monthly payments for the life of the plan.6 Aven also offers plans with payments of 1% of principal plus monthly interest on the balance. See our Payment Calculator to calculate your monthly payment.
Yes! You can directly deposit funds from your Aven card to your bank account at the same low rate. A 1% fee applies.2
When you apply for an Aven Card, we perform a "soft pull" on your credit in order to determine an offer. This soft credit pull does NOT impact your credit score. Only after you accept an offer and schedule a signing session with our notaries will we make a "hard pull" on your credit profile. This hard credit pull may impact your credit score.
We eliminate as many fees as we can and won't charge you annual, sign-up, or pre-payment fees. There is a 1% fee on cash outs and balance transfers, as well as a $29 late fee if you don't make the minimum payment by your due date. In some states, you might be charged recording, attorney, or other process-related fees depending on your line size.
Similar to other credit cards, the rate is variable. It will vary based on the Wall Street Journal prime rate ("WSJ Prime Rate") published by the Wall Street Journal, which is outside Aven's control. As the Wall Street Journal prime rate shifts up or down, so will the APR on the Aven Card and any other variable-rate credit cards, lines, loans. The WSJ Prime Rate may change several times a year. For balance transfers & cash out transactions cardholders may choose an Aven Simple Loan with fixed monthly payments for the life of the plan, which can be 5 or 10 years, or 10 or 15 years if over $25K.3
Traditional HELOCs can be costly and slow, often requiring thousands in fees, mandatory minimum advances, and 4-8 weeks to close.7 With Aven, you can access between $5,000 and $1,000,000 and receive your card within just a few days. There are no minimums—use what you need, when you need it—without any origination or annual fees.2
