The card made for home ownership.
Earn up to 5% cash back in mortgage savings on every tap or swipe – using the first card designed with home in mind.
No annual fee if you have a mortgage with Rocket. $95 annual fee otherwise.⁵
Tap Or Swipe Away
Use your Rocket Visa Signature Card on everyday purchases and start earning Rocket Rewards. From gas to groceries, you can earn points on anything.
Make Smart Money Moves
While your rewards balance grows, Rocket Money can help you plan for what’s next - track your spending, set savings goals, or monitor your credit all in one app.
Save On Your Home Goals
Whether you’re paying off your mortgage or planning to buy a new home with Rocket Mortgage, redeem your rewards to reach your homeownership goals sooner.
Buying A Home
Get 5% cash back toward a new home.³
Turn everyday spending into savings for a home with Rocket Mortgage. It’s that easy.
Paying Off My Mortgage
Earn 2% cash back toward your mortgage balance.⁴
Already own a home with Rocket Mortgage? Become mortgage-free sooner and save on interest with every purchase.
Premium Metal
Manage your card and finances. All in one place.
Take back control of your financial life with the only credit card powered by a personal finance app.
Visa Signature benefits for everyday protection.
Gain peace of mind knowing that purchases you make with the Rocket Visa Signature Card are protected against the unexpected.
Extended Warranty Protection⁷
Double your qualifying warranty coverage on your next big purchase for up to one year.
Porch Piracy Protection⁷
Get covered up to $10,000 for an eligible stolen item.
Cell Phone Protection⁷
Get protected against theft and damage up to $750 ($50 deductible) when you pay your wireless bill each month.
Do I earn a different number of points based on where I use my Rocket Visa Signature Card?
How can I redeem the Rewards I earn on my Rocket Visa Signature Card?
Do I need a mortgage with Rocket Mortgage to apply for the Visa Signature Card?
Do I need a mortgage with Rocket Mortgage to be able to redeem the rewards I earn on my Rocket Visa Signature Card?
As a Rocket Visa Signature Cardholder, do I have to pay for Rocket Money?
How is the loan balance credit applied to my mortgage?
How can I use my card rewards towards the closing costs and down payment of my next home with Rocket Mortgage?
Are there any restrictions on how I can redeem the rewards I earn with my Rocket Visa Signature Cardholder?
Rocket Mortgage acquired my loan from another lender. Can I redeem rewards towards my mortgage principal?
Credit Card not available for US Territory or New Hampshire Residents. Cardholder Agreement and Rewards Terms will be provided prior to application. All Rocket Visa Signature Cards are powered by Deserve and issued by Celtic Bank. Visa is a registered trademark of Visa Inc. The card may be used everywhere Visa is accepted. Subject to credit approval.
Rocket Card, LLC (the Rocket entity that offers access to this credit card) is a subsidiary of Rocket Companies, Inc. (NYSE: RKT). Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, RockLoans Marketplace LLC (d/b/a Rocket Loans), Rocket Auto LLC, Rocket Solar, LLC, and Rocket Money, Inc. are separate operating subsidiaries of Rocket Companies, Inc. Each company is a separate legal entity operated and managed through its own management and governance structure. "Rocket", Rocket Mortgage, and the Rocket "O" are trademarks of Rocket Mortgage and are used under license.
Eligibility requirements for Rocket Visa Signature Card, a product of Rocket Card, LLC, vary from Rocket Mortgage, LLC lending services requirements. Approval for one service does not guarantee approval for another. Each separate Rocket company reserves their rights on all final approval decisions. This is not a commitment to lend. Rocket Mortgage, LLC; NMLS #3030
"First and Only” refers to the Rocket Visa Signature Card’s rewards redemption options which lower the costs associated with receiving a mortgage from Rocket Mortgage.
1. Rocket Visa Signature Card Spending Bonus: you will receive a $200 statement credit after you spend $3,000 on eligible purchases, which must be made in the first 90 days your account is open. Eligible transactions exclude refunds and disputed charges. In order to receive the spending bonus after qualifying, your account must be in good standing at the time of fulfillment. If at any point after the eligible spend period, it is determined that spend was insufficient to meet the threshold, we may cancel the statement credit and add the value back to your principal owed.
2. Customers earn 5 points for every $1 spent. Points are redeemable towards a new Rocket mortgage transaction (excluding refinance), an existing Rocket mortgage additional principal payment, or a statement credit, at different values. Subject to Cardholder Rewards Terms of Use.
3. Up to $8,000 in card points value can be redeemed towards a new Rocket Mortgage transaction, applied as an asset to the applicant’s closing statement, offsetting applicant required funds to close. Not available in conjunction with Third Party originated or Charles Schwab partner loans. These points may be combined with an additional $2,000 in engagement points which will apply as a Lender Credit. Subject to Cardholder Rewards Terms of Use.
4. Redemption available toward additional principal on existing retail Rocket Mortgage loans. Not available for third party originated, assumed or Charles Schwab partner loans. Not available if servicing for your loan is sold to another party. Subject to Cardholder Rewards Terms of Use.
5. Rocket Card, LLC charges a $95 Annual Fee for use of the Rocket Visa Signature Card, which will be waived for customers that have an existing mortgage serviced by Rocket Mortgage, LLC. The amount and terms of the Annual Fee are included in your Cardholder Agreement. Similarly, Rocket Card, LLC reserves the right to offer bonuses and benefits and the terms of any offer will be provided separately. The APR range for the Rocket Visa Signature Card can be found in the Cardholder Agreement.
6. Impact of using SmartPay to boost your credit may vary; credit scores are determined by credit reporting bureaus and rely on a number of factors that we cannot predict. Increases or specific changes to your credit score are not guaranteed.
7. These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.
8. Preapproval does not guarantee an account approval and you must submit a full application for review in order to apply for any offer(s) of credit. Submitting for a preapproval is how you find out if you may be eligible for a Rocket Visa Signature Card without impacting your credit score. If your application is approved, accepting the offer will result in a hard credit pull which could impact your credit score.
The Rocket Visa Signature Card Rewards calculator is for estimation purposes only. The value of rewards varies according to how you choose to use them. The information provided can help you understand how Rocket Visa Signature Card rewards can work. Calculator assumes rewards points are redeemed exclusively towards an eligible loan serviced by Rocket Mortgage. Your redemption choices may be influenced by a variety of factors, including point redemption values, preferences among different reward and redemption options, convenience of using points at a given time, and other factors. Redemption options and point values can change at any time.
Rocket Card LLC | 1050 Woodward Ave | Detroit, MI 48226