Keelcard is the credit card backed by your home equity — with rates up to 4× lower than traditional cards, credit limits up to $250,000, and 2% cash back on everything you buy.
Soft credit check only — no impact to your score
Keelcard turns the equity you've built into a credit card with rates up to 4× lower than traditional cards — so your family keeps more of what you earn.
A traditional HELOC takes 4–6 weeks and involves appraisals, paperwork, and closing costs. Keelcard is a credit card — approved in minutes, ready to use anywhere Visa is accepted.
Enter a few details about yourself and your home. Soft credit check only — no impact to your score. Most applicants get a real-time rate in under 2 minutes.
Verify income instantly via bank connection or pay stubs. Sign your documents digitally with our integrated notary. Close in as fast as 30 minutes from application.
Your Keelcard arrives in 7 business days. Earn 2% cash back on every purchase. Pay at HELOC rates. Access home equity insights via your Keelcard dashboard.
The average American pays 22.3% APR on their credit card balance. Keelcard's home equity rate can be up to 4× lower — saving thousands per year on the same balance.
See how Keelcard stacks up against Aven, Chloe, and a traditional HELOC — especially for real estate investors.
| Feature | Keelcard Best | Aven | Chloe | Traditional HELOC |
|---|---|---|---|---|
| Starting APR | 6.99% | 7.49% | 6.99% | 7.00%+ |
| Annual fee | $0 | $0 | $0 | $50–$100 |
| Max credit limit | $250,000 | $250,000 | $500,000 | Varies |
| Cash back rewards | 2% unlimited | 2% unlimited | 1.5% | ✗ |
| Investment property eligible | ✓ | ✗ | ✗ | Varies |
| LLC-held property eligible | ✓ | ✗ | ✗ | Rarely |
| Approval time | ~15 minutes | ~15 minutes | ~1 day | 4–6 weeks |
| No closing costs | ✓ | ✓ | ✓ | ✗ |
| Fixed-rate draw conversion | ✓ | ✓ | ✗ | Sometimes |
*Rates and features as of March 2026. Subject to change. See keelcard.com/terms.
A HELOC requires an appraisal, closing costs, and 4–6 weeks to close — then gives you access via checks or bank transfers. Keelcard approves you in minutes, has zero closing costs, and works like a credit card anywhere Visa is accepted. Same low equity rate, radically simpler UX.
Because Keelcard is secured by your home equity, extended non-payment could theoretically put your home at risk — the same as any HELOC. We proactively reach out to members who show signs of hardship and always explore alternatives before any enforcement action.
Yes — this is one of our key differentiators. Aven and Chloe only accept primary residences. Keelcard accepts primary residences, second homes, and qualifying investment properties, including those held in single-member LLCs.
Minimum 640 FICO score, combined loan-to-value ratio under 89%, sufficient verifiable income, and your name on the property title (or single-member LLC ownership). Properties must be valued at $100k+.
You earn 2% back on every purchase with zero category restrictions, zero caps, and no expiration. Cash back is applied as a statement credit that counts as a real payment toward your balance — not just a balance reduction with an asterisk.
No. Checking your rate triggers a soft credit inquiry only, which has zero impact on your credit score. A hard pull is only initiated if you proceed to full application and explicitly authorize it at that stage.
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