Receive a $200 statement credit when you spend $3,000 in the first 90 days. 1

Saving for a home? Do it faster with this card

Save for your dream home and pay down your mortgage faster when you partner with Rocket Mortgage®.3,4 

How it works

Start saving thousands with a few simple steps.

  • Earn up to 5%
    with every purchase3

    You’ll earn rewards points with every dollar you spend.
    No need to stress over spending categories. 2

  • When you’re ready,
    redeem your points

    Once you’ve found your dream home, redeem your points toward your closing costs and down payment with Rocket Mortgage®. 3

  • Save big on your mortgage

    Rewards don’t stop after you buy a home. Continue using your card to earn 2% cash back toward your mortgage balance with Rocket Mortgage®. 4

No annual fee if you have a mortgage with Rocket. $95 annual fee otherwise.5

Apply Now

What people are saying

Hear from people living their homeownership dreams with the Rocket Visa Signature® Card.

  • I love paying myself back as a principal payment.

    Thank you for creating such a meaningful credit card.

  • I think [earning] points to reduce mortgage balance is a brilliant idea.

  • Love it.

    Such an easy way to build equity doing what I already do.

  • Great rewards,

    great customer service and card feels and looks great.

  • These payment options are great!

    Using the Rocket Money app to make payments is super convenient!

MortgagePersonal LoanReal EstateAutoPersonal Finance
Solar

Choose how you redeem based on your goals

The savings continue with our flexible redemption options.

Up To


5%

cash back toward a new home

 toward a new home3


2%

cash back

 toward mortgage balance4

Learn more about your redemption options

Manage your card and finances. All in one place.

Your Rocket Card comes with access to a premium subscription to Rocket Money. Use the app to manage your card, cancel subscriptions, lower bills, and more.

Manage your card and finances.

All in one place.

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 Protection 7

Double your qualifying warranty coverage on your next big purchase for up to one year.

Porch Piracy Protection 7

Get covered up to $10,000 for an eligible stolen item.

Cell Phone Protection 7

Get protected against theft and damage up to $750 ($50 deductible) when you pay your wireless bill each month.

Apply Now

Frequently 

asked questions 

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), 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 purchase transaction, 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 purchase 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. 

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.

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

Earn up to 5% with every purchase3

You’ll earn rewards points with every dollar you spend. No need to stress over spending categories.2

1/3

When you’re ready, redeem your points

Once you’ve found your dream home, redeem your points toward your closing costs and down payment with Rocket Mortgage®.3

2/3

Save big on your mortgage

Rewards don’t stop after you buy a home. Continue using your card to earn 2% cash back toward your mortgage balance with Rocket Mortgage®.4

3/3
Credit Card

cash back toward
mortgage balance

or

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.

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.

What people are saying

Up To


5%

cash back toward a new home3

or


2%

cash back toward
mortgage balance4

Frequently asked questions 

Visa Signature
benefits for everyday protection

Up To

Choose how you redeem based on your goals

The savings continue with our flexible redemption options.


5%

cash back toward a new home3

or


2%

cash back toward
mortgage balance4

Learn more about your redemption options
Saving for a home? Do it faster with this card.