Warning: Aven Cash Back Credit Card READ IF YOU HAVE AUTOPAY TURNED ON

Want to give folks a heads up – Aven, one of the new cashback credit card vendors has a serious issue with their cash back redemption.

Upon redeeming cashback, if you have autopay turned on, your autopay will be reduced by the amount that you redeemed. I.e. if you have a statement balance of 15$ and redeem 5$ cashback, with autopay set to "statement balance" your bank account will be drafted for 10$. However, if that is below the minimum payment (here the minimum was the statement balance) your account will then show as past due. Even after calling, and making the additional payment, your card will remain locked for several days, and if not monitored closely they could potentially ding your credit score.

When this happened to me, I received an email that my autopay had processed (set to full statement balance), but no email saying that the account was past due, I only noticed because I logged in to check the rewards. It looks like the only way to avoid this is to redeem cashback, and then make a manual payment that is equal to or greater to your last month's statement balance(or vice versa). I'm not sure how this would even work if you redeemed more cashback than your statement balance, or redeemed enough to zero your account.

Aven offers 6% cash back on groceries, which is the best I've seen, but this really seems to be a fly by night vibe coded operation.