This Card Can Cut the Cost of Your Mortgage or Down Payment

Is the housing market half empty or half full?

Optimists say keep waiting, while pessimists see this as the new normal. Whatever your outlook, you don’t have to wait or settle. We’ve found a way to help pay your mortgage, close a home loan, or fund part of your down payment by doing the things you already do.

This new Rocket Visa Signature® Card lets you earn cashback for every dollar spent.1 You can get up to 5% cashback towards your down payment and closing cost when you use Rocket Mortgage®.2 Or if you already own your home through Rocket, you can get 2% towards your mortgage balance.3

And there’s even a $200 bonus offer when you spend $3,000 in the first 90 days to help you start fast.4
A Shopper’s Market: Earn Rocket Card Rewards to Help Fund Your Down Payment

All of us are pretty good at swiping and tapping our cards. But every time you wield the Rocket Card, you can inch closer to your dream of buying a home or paying down your mortgage.

With the Rocket Card, you’ll earn up to 5% cashback toward your down payment and closing costs when you use Rocket Mortgage.2 Or you’ll earn 2% cashback towards your balance if you have a mortgage with them.3

Plus, if you spend more than $3,000 within the first 90 days, you can get a $200 welcome bonus.4

You don’t need a mortgage with Rocket to take advantage of this card, but it can help you get even more out of your card (without a Rocket Mortgage, you can only redeem rewards for 1.25% cashback as a statement credit). This card comes with an annual fee of $95. That fee is waived if you have a mortgage with Rocket Mortgage. 5

Simple, right? You don’t have to worry about any spending categories, either. You’ll earn the same amount of points for each dollar spent.1
Perks to Make You Feel at Home: Get 2% Cashback Toward Paying Down Your Mortgage

On top of the Rocket Card’s 5% cashback offer,2 there are lots of other perks that make it great for people who are already paying on a home loan (and aren’t interested in saving for another one). You can earn 2% cashback on every purchase and put it toward paying down the principal of your loan with Rocket Mortgage.3

This card also comes with Visa Signature perks like Extended Warranty Protection, Porch Piracy Protection, and Cell Phone Protection.6 You also get payment flexibility, digital security for locking, and complete control from anywhere via the Rocket Money app.

And about that app. The Rocket Money app helps you easily manage all of your finances in a single app. You can track your spending, cancel subscription services, check your credit score, and even get help lowering your bills.
Get Rewarded Today
No matter what your outlook on the market is, you’ve got a realistic solution for making things better at home.

Got two minutes? That’s all the time needed to apply for the Rocket Visa Signature® Card and find out if you’re preapproved, with no impact on your credit score.7

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.

1.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.

2. 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.

3. 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.

4. 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.

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. 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.

7. 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.