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EXCLUSIVELY FOR HOMEOWNERS

Last Updated: August 2024

Aven Homeowner Card

The best card for rewards, low interest rate, high line size. For homeowners
with 700+ FICO.



7.99%

Starting var.
APR

2%

Unlimited
Cashback

250K

Credit
Limit

$200 Home Depot Gift Card

Apply Now

Home Depot Consumer Credit Card

The best card for small projects, if reward are not important for you.



17.99%

Starting var.
APR

None

Unlimited
Cashback

$25K

Credit
Limit

Apply Now

Capital One Platinum Credit Card

The best card for convenience, but with a high interest rate.



30.74%

Starting var.
APR

None

Unlimited
Cashback

N/A

Credit
Limit

Apply Now

$200 Home Depot Gift Card

Aven Homeowner Card

The best card for rewards, low interest rate, high line size. For homeowners
with 700+ FICO.



7.99%

Starting var.
APR

2%

Unlimited
Cashback

250K

Credit
Limit

Apply Now

Home Depot Consumer Credit Card

The best card for small projects, if reward are not important for you.



17.99%

Starting var.
APR

None

Unlimited
Cashback

$25K

Credit
Limit

Apply Now

Capital One Platinum Credit Card

The best card for convenience, but with a high interest rate.



30.74%

Starting var.
APR

None

Unlimited
Cashback

N/A

Credit
Limit

Apply Now

Annual Fees and APRs

The Aven Home Equity Credit Card has no annual fee or sign up fee. It has an
extremely low interest rate, making it an attractive choice for those looking to
save on interest charges.

The Home Depot Consumer Credit Card and Capital One Platinum Card do not charge
an annual fee. However, it's important to note that the cards have a relatively
high APR (Annual Percentage Rate), which can be significant if you carry a
balance from month to month.

Card Features and Rewards

The Aven Home Equity Credit Card is a general-purpose credit card that can be
used anywhere Visa is accepted. It offers cash back rewards on everyday
purchases. These rewards can be redeemed for statement credits.

On the other hand, the Home Depot Consumer Credit Card offers various benefits
such as special financing options and access to exclusive cardholder events. The
card provides a range of promotional financing offers, including deferred
interest and fixed monthly payments, depending on the purchase amount.

The Capital One Platinum Card does not offer cashback.

Credit Limit and Approval Process

The Home Depot Consumer Credit Card typically offers a lower credit limit
compared to the Aven Home Equity Credit Card. This is because it is primarily
designed for Home Depot purchases and not intended for extensive everyday use.
The approval process for the Home Depot Credit Card and Capital One Platinum
Card may be less stringent, making them more accessible to a wider range of
credit profiles.

The Aven Home Equity Credit Card, being a general-purpose credit card, generally
offers higher credit limits. However, the approval process may involve stricter
criteria, including credit history and income verification, to qualify for
higher credit limits.

Conclusion

The Home Depot Credit Card, Aven Home Equity Credit Card, and Capital One
Platinum Card have their own strengths and cater to different consumer needs. If
you are a regular Home Depot shopper, the Home Depot Consumer Credit Card can
provide you with attractive financing options. However, if you prefer a more
versatile credit card with rewards on everyday spending and a wider range of
perks, the Aven Home Equity Credit Card may be a better fit.

Consider your spending habits, credit profile, and specific needs before making
a decision. Ultimately, choosing the right credit card depends on your personal
preferences, financial goals, and the benefits that align with your lifestyle.

1.

These comparison charts use the lowest stated APR of each card. The data in the
comparison chart is accurate as of Sep 25, 2023. This data can change over time
and it is solely the responsibility of the consumer to verify the most up to
date rates. Sources: Home Depot Consumer Credit Card, Home Depot Consumer Card
Purchase Intro Rate, Aven Home Equity Credit Card, Capital One Platinum Card.

2.

APR (Annual Percentage Rate) range is for primary residences only; APRs may
differ depending on occupancy type. APR is the cost of credit as a yearly rate
and does not include costs other than interest. It is a variable rate based on
the Federal Funds Target Rate - Upper Limit (the “FFTR-UL”) index. The FFTR-UL
is determined by the Federal Reserve’s Federal Open Market Committee and
published periodically by the Wall Street Journal in its “Money Rates” section.
The FFTR-UL as of Aug 10, 2023 EST is 5.50%. Your initial APR is based on your
creditworthiness when you open your account. The maximum APR will not exceed 18%
during the life of your account. Cash Out (draw to bank account) fee and Balance
Transfer fee is 2.5% of amount transferred, this fee is subject to change.

AutoPay Discount of 0.25% is offered to new cardholders only. You are not
required to sign-up for Autopay. To receive the discounted rate, you must enroll
in AutoPay by the end of your first billing cycle. Unenrolling from AutoPay will
remove the discount and increase your APR. Aven reserves the right to terminate
the AutoPay Discount program for unenrolled cardholders at anytime and without
notice.

Cashback available to those who enroll in AutoPay, refer to AutoPay Terms &
Conditions. Cashback applies to valid purchases (net of refunds or returns) made
using the Aven card, and does not apply to non-card transactions, including
balance transfers, cash-outs or reward redemptions. Cashback is accumulated as
points and redeemable as statement credit. Refer to Rewards Terms & Conditions.

Subject to credit approval. Certain terms and conditions may apply. Terms may
vary by applicant and are subject to change. Availability limited to certain
states. See aven.com/licenses for more details. Not available for multi-unit
homes. Flood insurance may be required if your property is located in a flood
zone.

Aven cards are arranged by Aven Financial, Inc., dba "Aven" or "AvenCard" (in
AR, ID, and PA). NMLS #2042345. See aven.com/licenses for state specific
details. Aven reserves the right to modify or discontinue its products or
offerings at any time without notice.

The Aven Card is issued by Coastal Community Bank, pursuant to a license from
Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC.
Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional
information or complaints to Coastal Community Bank, visit
www.federalreserveconsumerhelp.gov


SHOP THE BEST CREDIT CARDS FOR HOME DEPOT



Great choice!

Continue to apply to this card and get the benefits you choose when shopping at
Home Depot.

The key things to look for are the card’s features, rewards, credit limit, and
approval process. Let us know how we can help.

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Checking your offer will NOT affect your credit score.

†By continuing, you consent to our using a consumer reporting agencies, like
Experian and Equifax, to make a soft credit inquiry and verify your employment
and income. You also agree to our E-SIGN Consent, Privacy Policy, and Terms of
Use. For important information about our Aven Home Cards: Pricing & Terms and
Early HELOC Disclosure.


WE HAVE A GREAT OPTION FOR YOU!

$200 Home Depot Gift Card

Aven has a low APR, high credit limits, and 2% unlimited cashback (& get a $200
gift card to Home Depot when you sign up).

Continue To Aven Continue To Apply