Independent Aven HELOC Card review: 4.5/5 for heloc. Best for flexible card-based equity access with rewards. Current APY: 7.49%.
HELOC that works like a credit card — swipe to access your equity. Aven HELOC Card is offered by Aven Financial and currently holds an average rating of 4.5 out of 5 across 2,780 user reviews. It falls into the HELOC category and tends to be the strongest fit for flexible card-based equity access with rewards.
Monthly fee: $0 annual fee. Minimum to open: $5,000. Current APY: 7.49%. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
For this review of Aven HELOC Card, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the HELOC shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.