Aven is home-secured consumer credit (HELOC-style), not an unsecured personal loan. Compare combined LTV, {rateAbbr} and whether interest is charged only on the draw.
Our review
8.6
4.3(1 review)
Maya Chen · Editor, consumer credit
Editorial review — not personal advice and not a promise of approval.
Suits:A home-equity line when you have usable equity and the live offer publishes the draw rules.
Aven is home-secured consumer credit (HELOC-style), not an unsecured personal loan. Compare combined LTV, APR and whether interest is charged only on the draw.
Editorial scores
Cost8.4
Flexibility8.8
Transparency8.6
Service8.4
What stands out
Home-secured credit
Draw-based interest
Not unsecured
Compare Aven on HELOC in United States. Related: mortgages if you are refinancing the first lien, personal loans if you will not use the home. Supervision: OCC, FDIC and the CFPB.
Pros
Listed on home-equity, not mixed into unsecured personal loans.
Published terms include how the facility works.
No credit pull to browse.
Cons
Your home is security — default risk is different from an unsecured instalment.
Fees and first-mortgage rules can outweigh a headline APR.
Questions about Aven Home Equity Card
Is this a credit card?
No. It is home-secured credit. Cards are on credit cards.
Home-equity Visa that spends like a card
Unlimited 2% cash back; no annual fee
Lines advertised from about $5,000 up to $250,000
Checking an offer does not affect credit
Representative example. Aven’s education pages describe a home-equity Visa with 2% cash back, no annual fee and a 2.5% cash-out/balance-transfer fee. The payment calculator shows 6.99%–15.49% APR. Source: aven.com/education, 2026-08-27.
How it compares
This card against the next three in this market, on published terms.
How it compares
Aven Home Equity CardThis card
Neu Money Visa
FNBO GreenSelect Credit Card
FNBO Getaway Credit Card
Network
Visa
Visa
Visa
Visa
Annual fee
$0
$0
$0
$0
Purchase rate
Personalized APR
0.00%
15.24–25.24%
19.49–27.49%
Rewards
2% cashback on eligible purchases with AutoPay enabled. This card is secured by home equity.
Up to 6% at eligible stores and unlimited 3% on airfare. Subscription fees apply; see issuer terms.
A low-interest card rather than a rewards programme. Variable purchase APR after the 18-billing-cycle 0% introductory period.
3 points/$ on eligible travel, dining and gas; 1 point/$ otherwise. Variable purchase APR after the 12-billing-cycle 0% introductory period.
Credit limit
$250,000
$350
—
—
Card type
Consumer
Consumer
Consumer
Consumer
Supervised by
CFPB
CFPB
CFPB
CFPB
Reader reviews
No reader reviews yet. Approved reviews will appear here.
Write a review
Other cards in this market
Neu Money
•••• •••• •••• 1234
Neu Money Visa
VISA
Neu Money Visa
8.54.3(1)
from Neu Money
Lowest APR
No annual fee
Up to 6% cashback
Rewards
$0
Annual fee
0.00%
Purchase rate
Consumer
Building credit
No annual fee
Up to 6% at eligible stores and unlimited 3% on airfare. Subscription fees apply; see issuer terms.
No annual fee. A monthly subscription applies based on credit limit; this is not a fee-free card.
Two SKUs: Neu 1 is $7/month with 0% APR; Neu 2 is $0 annual fee with 26.99–29.99% APR
Starting credit limit advertised from $350; no security deposit
3% cash back on airfare; no foreign-transaction fee
Built for thin-file / no-SSN applicants; issuer Cross River Bank
APR
0.00%
Show more
Foreign fee
0
Neu publishes two cards (App Store listing and NerdWallet, 2026-08-28): Neu 1 is $7/month ($84/year) with 0% APR; Neu 2 has no annual fee and a fixed 26.99–29.99% purchase APR. Both advertise a $350+ starting limit, 3% airfare cash back and no foreign-transaction fee. Issued by Cross River Bank. The public web landing page remains invite-only.
A low-interest card rather than a rewards programme. Variable purchase APR after the 18-billing-cycle 0% introductory period.
APR
15.24%
No annual fee. Review the issuer Summary of Credit Terms for APRs and other costs. Offers vary by application channel; no promotional offer is assumed here.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
3 points/$ on eligible travel, dining and gas; 1 point/$ otherwise. Variable purchase APR after the 12-billing-cycle 0% introductory period.
APR
19.49%
No annual fee. Review the issuer Summary of Credit Terms for APRs and other costs. Offers vary by application channel; no promotional offer is assumed here.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
Aven Financial: Aven’s education pages describe a home-equity Visa with 2% cash back, no annual fee and a 2.5% cash-out/balance-transfer fee. The payment calculator shows 6.99%–15.49% APR. Source: aven.com/education, 2026-08-27.
Neu Money: Neu publishes two cards (App Store listing and NerdWallet, 2026-08-28): Neu 1 is $7/month ($84/year) with 0% APR; Neu 2 has no annual fee and a fixed 26.99–29.99% purchase APR. Both advertise a $350+ starting limit, 3% airfare cash back and no foreign-transaction fee. Issued by Cross River Bank. The public web landing page remains invite-only.
First National Bank of Omaha: No annual fee. Review the issuer Summary of Credit Terms for APRs and other costs. Offers vary by application channel; no promotional offer is assumed here.
We do not receive commission on this link. Eligibility and final terms are determined by the issuer.
