Will applying for both the HELOC and Rewards cards mean two hard credit checks? Yes, applying for both the HELOC and Rewards cards requires two separate hard credit inquiries. Related articles Can I open another Aven Card on my second property? Is Aven a HELOC or HELOAN? Why does someone have to complete the notarization process? Will applying affect or impact my credit score? Do we hard pull both applicants? Where will my in-person signing take place?