Nevertheless, the phrases and situations for the Aven Rewards Card may trigger some confusion for candidates. The language describes a number of the card’s earnings as “promotions,” so it is not clear whether or not these excessive rewards charges are short-term.
Moreover, not everybody could possibly get the Aven Rewards Card. As of 2023, the newest info NerdWallet was in a position to entry, Aven stated its playing cards have been accessible in solely 31 states.
Listed below are 5 issues to know in regards to the Aven Rewards Card.
1. It is completely different from the Aven Residence Fairness card
Aven might be greatest recognized for the Aven Residence Fairness Credit score Card, which acts as each a house fairness line of credit score (HELOC) and a conventional bank card. That card is secured by your house and requires that you’ve fairness in that residence to get it. It earns an infinite 2% money again on purchases.
The Aven Rewards Card is a distinct product with a distinct rewards construction. It doesn’t require homeownership.
2. It earns beneficiant rewards, however with curious phrases
As of December 2025, the Aven Rewards Card was incomes 3% money again on all purchases, on as much as $10,000 in spending per yr. After that, you earned an infinite 2% again on all purchases, with no yearly cap. These are beneficiant charges certainly for a $0-annual-fee card.
Nevertheless, some vital notes: Language within the card’s phrases and situations describes these 2% and three% charges as “promotions” that started on Oct. 24, 2024, and that “might be terminated at Aven’s discretion.” As well as, as of December 2025, the cardboard additionally provided 6% money again on groceries, as much as $10,000 per yr, after which 2% after. Aven additionally described this 6% price as a “promotion” that started on Oct. 31, 2025, and that “might be canceled at any time at Aven’s discretion.”
Whereas bank cards can alter their choices at any time, a card’s rewards construction is normally an ongoing characteristic, not a short lived “promotion.” However new playing cards from startup monetary know-how firms are notably vulnerable to important modifications as they discover their place available in the market, so it is unclear how lengthy the Aven Rewards Card will provide such excessive charges. A number of efforts by NerdWallet to achieve Aven for remark have been unsuccessful.
In any case, rewards are earned as factors price 1 cent every. Factors do not expire and might be redeemed for money again within the type of assertion credit score towards your stability and minimal cost due. It’s also possible to redeem factors for flights and lodges by Aven’s journey portal.
🤓Nerdy Tip
As of 2025, Aven gives additional rewards for bookings by its journey portal, reminiscent of 10% money again on resort reservations booked straight by the portal.
3. You’ll be able to earn further factors by enrolling in autopay
In keeping with Aven’s phrases, cardholders who enroll in autopay — which entails organising automated month-to-month funds with a linked checking account — can earn further factors per greenback spent on eligible purchases. The quantity of factors you earn depends upon which autopay choice you selected. Right here’s the way it works:
-
Assertion stability, as soon as per 30 days: 1.5 factors per greenback.
-
Present stability, as soon as per 30 days: 1.5 factors per greenback.
-
Present stability, twice per 30 days: 2 factors per greenback.
-
Minimal quantity due: 2 factors per greenback.
-
Mounted customized quantity: 1.5 factors per greenback.
These factors seem like earned along with the cardboard’s 3x and 2x charges. Makes an attempt to achieve Aven to make clear have been unsuccessful.
4. There’s no welcome provide
The most effective cash-back playing cards are inclined to characteristic welcome gives that may snag new candidates a big pile of rewards for hitting a spending threshold. However the the Aven Rewards Card options no such welcome bonus.
In the event you’re in search of excessive ongoing rewards along with a beneficiant bonus, contemplate a product just like the $0-annual-fee Wells Fargo Lively Money® Card. It earns an infinite 2% again on all eligible purchases, however new candidates are additionally eligible for the next: Earn a $200 money rewards bonus after spending $500 in purchases within the first 3 months. Plus, the cardboard comes with an interest-free promotion: 0% intro APR for 12 months from account opening on purchases and qualifying stability transfers, after which the continuing APR of 18.49%, 24.49%, or 28.49% Variable APR.
5. Cardholders can decrease their rates of interest
New account members who enroll in autopay earlier than their first billing cycle can decrease their rate of interest by 0.25 proportion factors. Remember the fact that should you discontinue your autopay, your APR will enhance by 0.25 proportion factors.
Additionally remember that should you do not carry a stability in your card, the APR is irrelevant since you’ll by no means be charged curiosity.
