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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Aven Rewards Visa Card review: Earn 3% back on purchases
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
March 11, 2026 • 8 min read
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Editorial note:
Quick summary
A new cash-back card offers a high flat rate on all purchases, with a higher rate on the first $10,000 spent each year and a strong rate after that threshold.
The card is not tied to home equity and is available to most U.S. residents, except those in a handful of states.
Rewards can be redeemed for statement credits or travel booked through the issuer's portal, but cannot be transferred to other loyalty programs.
There is no welcome bonus, and benefits are limited, focusing on simplicity and ease of use.
What to consider
The top earning rate requires autopay to be enabled and is capped at $10,000 in spending per cardholder year, after which a lower flat rate applies.
You must add authorized users during the application process, as this cannot be done later.
The card lacks purchase and travel protections and is unavailable in certain states including New York and New Jersey.
What you'll miss from the article
A detailed comparison of alternative cash-back cards and guidance on choosing the best option for your spending habits.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The is a cash-back credit card with high earning rates and simple rewards. It earns an impressive 3% back on all purchases (up to $10,000 in spending every cardholder year)^, then an unlimited 2% back thereafter.
For those unfamiliar with Aven, it's a company that has historically focused on homeowners with its Aven Home Equity Visa, a credit card backed by home equity. The Aven Rewards Visa differs from the Aven Home Equity Visa since it isn't backed by a home equity line of credit.
The cash back you earn on the no-annual-fee Aven Rewards Visa can be redeemed for statement credits. While the card's benefits are easy to understand, you can't convert your rewards into transferable points or earn a welcome bonus, which may leave some wanting more. Card rating*: ⭐⭐⭐
^The 3% earning rate requires autopay to be enabled.
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Aven Rewards Visa: The basics
The is a no-annual-fee card that earns cash back at a fixed rate, which means you don't have to memorize any bonus categories. (You'll technically earn rewards as points, with each point redeemable for 1 cent.)
Cardholders earn 3% back on all purchases for the first $10,000 in spending each cardholder anniversaryyear, then an unlimited 2% back after that threshold is met.
The card's 3% earning rate is quite impressive (even if it's restricted to the first $10,000 in spending each cardholder year), and earning 2% back thereafter is strong among flat-rate cards.
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You can use your rewards for statement credits (my recommendation) or for flights or hotels booked through the Aven Travel Portal. These are decent options, but the card could feel limiting if you enjoy earning and redeeming transferable rewards like American Express Membership Rewards points or Chase Ultimate Rewards points.
You must have a minimum FICO score of 680 to be approved, and the card is available in most U.S. states, with the following exceptions:
District of Columbia
Hawaii
Massachusetts
Montana
Nevada
New Jersey
New York
Vermont
If you're a homeowner, you have the chance to upgrade from the Aven Rewards Visa to the Aven Home Equity Visa, with credit lines of up to $400,000 and rates as low as 7.49%. However, you don't have to be a homeowner to get the Aven Rewards Visa and earn cash back.
Above-average 3% earning rate (on up to $10,000 in spending each cardholder year)
Strong 2% rate thereafter
Simple cash-back rewards
No annual fee
No foreign transaction fees
Limited benefits
No welcome bonus
Rewards cannot be converted into transferable points
Aven Rewards Visa benefits
Since the is a no-annual-fee card, its perks are minimal. However, there are a few benefits to explore.
First, your annual percentage rate is reduced by 0.25 percentage points when you enroll in autopay within 25 days of account opening and keep it enrolled.
Cardholders have access to Visa Fraud Charge Protection, which monitors their account and sends alerts for transactions deemed "suspicious" or declined. You can also lock your card through the Aven app.
Plus, the card charges no foreign transaction fees, so if you use the Aven Rewards Visa abroad, you won't be charged extra for these purchases. This is a solid perk for a no-annual-fee card, and since it's issued by Visa, you're likely to find most merchants accept it both within the U.S. and abroad.
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Cardholders can also access their credit score for free online and use contactless payment with the stainless steel physical card.
Finally, you can add authorized users to your account, and they'll receive their own Aven Rewards Visa. However, you have to add these authorized users during the account application process. You cannot add authorized users after your account has been created.
If you're looking for more benefits, such as travel and purchase protections, you'll want to look elsewhere — simplicity is the name of the game with this card.
How to earn and use the Aven Rewards Visa's cash back
The effectively earns cash back at a flat rate across all purchases. You'll earn 3% back on the first $10,000 in spending every cardholder year, then 2% back on all spending thereafter.
Your rewards can be redeemed as a statement credit to reduce the balance you owe on your card. You can do this in the Aven app by checking the "Rewards" tab.
You can also redeem rewards to book flights or hotels through the Aven Travel Portal.
If you're focused on keeping earning and redeeming simple, this is about as easy as it gets. However, if you want access to transferable partners, you may find this restrictive.
The 3% earning rate on the is eye-catching, and the 2% rate after the $10,000 cap is still enticing. While you can redeem your rewards for statement credits or travel portal purchases, it is worth noting that you can't transfer your rewards. But as long as that isn't a deal-breaker, there is a lot of value here for those wanting to earn solid cash back on everyday purchases.
The does not provide a welcome bonus. This is disappointing given how much of a card's first-year value is often tied to its welcome offer.
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Unless the card offers a bonus at some point in the future, the timing of your application won't affect the value you get from the card. However, if you are interested in applying, waiting until you've used up your Chase 5/24 slots could be a good idea.
If you prefer to maximize bonus categories: The Capital One Savor Cash Rewards Credit Card earns cash back in multiple bonus categories, such as dining, grocery stores (excluding superstores like Walmart® and Target®) and popular streaming services. To learn more, read our full review of the Savor Cash.
If you like rotating categories: The (see rates and fees) earns 5% cash back in quarterly bonus categories (after you activate; on up to $1,500 in combined purchases). To learn more, read our full review of the Freedom Flex.
The keeps it simple: Earn cash back on all your purchases, and redeem your rewards for statement credits. You won't find bonus categories or even a welcome offer here, but earning 3% back on your first $10,000 you spend on purchases each cardholder year (then 2% unlimited after) is quite solid.
Plus, the Aven Rewards Visa could be an attractive option for homeowners interested in potentially upgrading to the Aven Home Equity Visa, as you could use this card to build a relationship with Aven.
However, for many spenders, another cash-back card with a welcome bonus or more benefits may be a better choice.
