Aven Visa. Another 3% anything card (up to $10k spend/yr)?

[Anonymous]

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@Drifter73 wrote:

we don't offer unsecured credit card. The reason we are able to offer low interest rates is because this is secured by a line on your home.

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Yep, that's what the fine print at the bottom of the linked credit card page indicated as well.. 

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See message 22, that was a footnote for the HELOC card.

[Ellie]

There is Aven access card and Aven equity  card.  The access card is credit card and doesn't use home equity as  lien, like the Aven equity card.

Aven card up to 3% cash back up to 10k with autopay, then 2% no limit.  $100 signup bonus

[ElvisCaprice]

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@Ellie wrote:

There is Aven access card and Aven equity  card.  The access card is credit card and doesn't use home equity as  lien, like the Aven equity card.

Aven card up to 3% cash back up to 10k with autopay, then 2% no limit.  $100 signup bonus

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When you say "like" the Aven equity card,  just different in how it uses the home equity for securing?  Thus still uses home equity? 

Some further information to be directed to would be nice.  

[Ellie]

I think you are misunderstanding me or I'm not explaining clearly...

I have the aven rewards visa card, which is straight credit card (no home required) and not the Aven home equity card (lien on home)

[Ellie]

Aven home equity card has 2% cash back and lower interest rate, but it's tied to your home.

[Jnbmom]

@Ellie  Self referrals are not allowed your post will be removed .

[ElvisCaprice]

I stand corrrected.  I just applied and was accepted for 15k SL, thougt there was a pre-approval process involved with a soft pull?  Immediately froze my accounts again.  Looks like they used Experian, it was a hard pull (installment loan inquiry).   I claimed I did not own any property and they approved me just on income/credit.   Says for 3% cash back, $100 SUB, card  on the way.  This will be interesting to see.  

Added:  There is a $100 referral SUB for both parties.    Doesn't look like there is any requirements other than to get the CC.  

I checked their site and didn't see any other SUB possibilities without the referral.  The App is pretty slick for Aven.  I'll keep posting on how this goes.

[Vinjints]

Well that was a quick turnaround. Wonder what the catch is. Would love to hear your experience on this one after you've had time with it. 

[coldfusion]

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@ElvisCaprice wrote:

Added:  There is a $100 referral SUB for both parties  (you can ask me in private if you want the code, but I would suggest waiting

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@ElvisCaprice  I suggest you look at the  @Jnbmom post upthread,  referrals on the site including the use of PMs is a no-no.  Thx. 

[ElvisCaprice]

No foreign transaction fees.  3% cash back first 10k annually then 2% unlimited.  Need to setup autopay to get the rewards, statement credits.  Looks like they are working on other reward redemption methods, like hotel/partner transfers.  This card is a work in progress.  15k SL is way more than I need and there is no way I'll ever utilize more than that 10k for the year.  But, one should always keep a card with a high CL for emergencies and this looks like it would fit the bill with the no FTF, for travel.