Aven credit cards
Asset-backed credit cards (home equity and, since May 2026, bitcoin collateral) with lower APRs than typical cards.
About Aven
Aven is a fintech that offers asset-backed credit cards, best known for the Aven Home Equity Visa Card, a credit card linked to a home equity line of credit. Because the line is secured by your home, rates can be lower than on typical unsecured cards, and the card earns 2% unlimited cash back with no annual fee. Aven accounts are made by Coastal Community Bank, and since May 2026 it also offers the Aven Bitcoin Backed Card, secured by bitcoin collateral.
Aven suits homeowners with equity who want a lower-cost revolving line with card-like convenience, or bitcoin holders who would rather borrow against their coins than sell them. Checking your offer uses a soft pull. The limitation: your home or bitcoin is the collateral, so missed payments can put that asset at risk, and there is a 2.5% fee on cash outs and balance transfers plus a $29 late fee.
Notable Aven cards
- Aven Home Equity Card
- Aven Bitcoin Backed Card
Aven cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
AvenBitcoin Backed 4697 2358 8968 5928 VALID THRU 05/32TAYLOR REED Aven Bitcoin Backed CardBitcoin holders who want liquidity without selling |
None | 2% cash back on all purchases | None | See issuer | Secured by bitcoin collateral… | — |
Approval rules and tips
Requires home equity or bitcoin collateral depending on product.
- Checking your offer uses a soft pull that does not affect your credit score.
- A hard pull happens only after you accept an offer and schedule a signing session with a notary.
- You need home equity for the Home Equity card, or bitcoin collateral for the Bitcoin Backed Card.
How to apply for a Aven card
Apply at aven.com. Checking your offer uses a soft pull that does not affect your credit score; a hard pull happens only after you accept an offer and schedule a signing session with a notary, because the Home Equity card is secured by your home. Expect to verify your identity, income and property details. The Bitcoin Backed Card requires bitcoin collateral instead of home equity.
Customer service: www.aven.com
Aven FAQs
What credit cards does Aven offer?
Aven's notable cards include Aven Home Equity Card, Aven Bitcoin Backed Card. See the cards we review below for fees, rewards and APRs.
Does Aven have special approval rules?
Requires home equity or bitcoin collateral depending on product.
How do I apply for a Aven credit card?
Apply on www.aven.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
Is the Aven card a credit card or a HELOC?
Both. The Aven Home Equity Visa Card works like a regular credit card for purchases, but the credit line behind it is a home equity line of credit secured by your home. That structure is how Aven can offer lower rates than many unsecured cards, and it is also why a notary signing is part of approval.
What fees does Aven charge?
Aven lists no annual, sign-up or prepayment fees on its Home Equity card. There is a 2.5% fee on cash outs and balance transfers and a $29 late fee if you miss the minimum payment by the due date. Because your home secures the line, staying current on payments matters more than with a regular card.