However, the terms and conditions of the Avian Rewards card can cause some confusion for applicants. The language describes some of the card’s revenue as “promotions,” so it’s unclear whether these higher rewards rates are temporary.
Additionally, not everyone may be able to get an Avon Rewards card. As of 2023, the most recent information was able to access NerdVault, Avon said, adding that its cards are only available in 31 states.
Here are five things to know about the Avian Rewards card.
1. It is different from the Avon Home Equity Card
Evan is perhaps best known for this Even Home Equity Credit Cardwhich works as both a home equity line of credit (HELOC) and a traditional credit card. That card is secured by your home and requires that you have equity in that home. It earns unlimited 2% cashback on purchases.
The Evian Rewards Card is a different product with a different rewards structure. It does not require home ownership.
2. It receives generous rewards, but with curious conditions
Through December 2025, the Evian Rewards Card was earning 3% cash back on all purchases, up to $10,000 in spending per year. After that, you get an unlimited 2% back on all purchases, with no annual cap. These are really generous for a $0-annual-fee card.
However, some important notes: Language in the card’s terms and conditions describes these 2% and 3% rates as “promotions” that began on October 24, 2024, and that “may be terminated at Avon’s discretion.” In addition, through December 2025, the card offers 6% cash back on groceries, up to $10,000 per year, and 2% thereafter. Avon also described the 6% rate as a “promotion” starting on October 31, 2025, and that it “may be canceled at any time at Avon’s sole discretion.”
Although credit cards can adjust their offers at any time, a card’s rewards structure is usually an ongoing feature, not a temporary “advancement.” But new cards from start-up financial technology companies are subject to particularly significant changes as they find their place in the market, so it’s unclear if the Avian Rewards card will offer such high rates. Multiple attempts to reach Avon by NerdWallet were unsuccessful.
In any case, rewards are earned as points worth 1 percent each. Points do not expire and can be redeemed for cash in the form of a statement credit toward your balance and minimum payment. You can also redeem points for flights and hotels through Avon’s travel portal.
🤓Nerve tip
Until 2025, Avian offers additional rewards for bookings through its travel portal, such as 10% cash back on hotel reservations booked directly through the portal.
3. You can earn extra points by enrolling in Auto Pay
Cardholders who enroll in AutoPay — which involves setting up automatic monthly payments with a linked bank account — can earn extra points per dollar spent on eligible purchases, according to Evan’s terms. The points you earn depend on which Autopsy option you choose. How it works:
Statement balance, once per month: 1.5 points per dollar.
Current balance, once per month: 1.5 points per dollar.
Current balance, twice per month: 2 points per dollar.
Minimum amount owed: 2 points per dollar.
Fixed customs amount: 1.5 points per dollar.
These points appear to be earned in addition to the card’s 3x and 2x rates. Efforts to reach Evan for comment were unsuccessful.
4. There are no welcome offers
The best cashback cards have the following features: Offers welcome It can snag a huge pile of rewards for new applicants to hit the spending threshold. But the Avian Rewards card has no such welcome bonus.
If you’re looking for more ongoing rewards in addition to generous bonuses, consider a product like $0– Noel Fay Wells Fargo Active Cash Card. It earns an unlimited 2% back on all eligible purchases, but new applicants are also eligible for the following: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. In addition, the card comes with an interest-free promotion: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, and then an ongoing APR of 18.49%, 24.49%, or 28.49% variable APR.
5. Cardholders can reduce their interest rates
New account members who enroll in AutoPay before their first billing cycle can reduce their interest rate by 0.25 percentage points. Keep in mind that if you turn off your autopay, your APR will increase by 0.25 percentage points.
Also keep in mind that if you don’t have a balance on your card, APR is irrelevant Because you are never interested.
