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Mortgage
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TRUEBILL IS NOW ROCKET MONEY

Say hello to Rocket Money—It’s everything you love about Truebill but now with a
fresh look and feel.

Scan to download the app

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

Rocket VISA Signature® Card


THE CARD MADE FOR HOMEOWNERSHIP.



Earn up to 5% cash back in mortgage savings on every tap or swipe – using the
first card designed with home in mind.


Apply NowApply Now



HOW IT WORKS


1




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.


2




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.


3




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.


NO NEED TO STRESS ABOUT SPENDING CATEGORIES. GET REWARDED FOR EVERY DOLLAR
SPENT.2





CHOOSE HOW YOU REDEEM BASED ON YOUR HOME GOALS



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.



Learn More About Redemption Options


SEE IF YOU’RE PREAPPROVED WITH NO IMPACT TO YOUR CREDIT SCORE.8

Apply Now

Premium Metal


NO ANNUAL FEE IF YOU HAVE A MORTGAGE WITH ROCKET.5

$95 annual fee otherwise.


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.




STAY ON TOP OF YOUR SPENDING

Get an effortless breakdown of your finances to see where your money is going
and how to improve.


MANAGE AND CANCEL YOUR SUBSCRIPTIONS

Rocket Money instantly finds your subscriptions. You can cancel the ones you
don’t need right from the app.


LET US LOWER YOUR BILLS

Our concierge will identify bills that can be lowered and negotiate on your
behalf for the best rates available.


MONITOR YOUR CREDIT SCORE

Get access to your credit report and history, alerts on important changes that
impact your score, and insights to understand what it all means.







ALL THE FEATURES YOU EXPECT AND MORE.



Find everything you need to seamlessly and securely manage your card in the
Rocket Money app.


DIGITAL CARD SECURITY



Built-in features, like Freeze Card, help ensure your finances stay safe and
secure.


PAYMENT FLEXIBILITY



Choose from SmartPay6, Autopay, or make payments yourself.


MANAGE FROM ANYWHERE



Online or in app, manage all of your finances with Rocket Money.


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.


SEE IF YOU’RE PREAPPROVED IN AS LITTLE AS 2 MINUTES WITH NO IMPACT TO YOUR
CREDIT SCORE.8

Apply Now


FREQUENTLY ASKED QUESTIONS


Do I earn a different number of points based on where I use my Rocket Visa
Signature Card?


Nope, for every dollar spent on your Rocket Visa Signature Card, you will
receive 5 Rocket Rewards points with no limit on how many points you can earn!


How can I redeem the Rewards I earn on my Rocket Visa Signature Card?


Existing Cardholders can redeem their Rocket Rewards points towards Mortgage
savings with Rocket Mortgage or a statement credit.

‍Sample Cardholder Scenario:


 * A card user spends $5,000 on their Signature Card
 * A card user now has 25,000 points as their Rocket Rewards balance
   
 * A card User can redeem those 25,000 points for either:
 * * $250 towards Closing Costs, including Down Payment (5% Cash back value)
   * $100 towards Rocket Mortgage Principal (2% cash back value)
   * $62.50 Statement Credit (1.25% cash back value)


Customers earn 5 points for every $1 spent. Points are redeemable towards a new
Rocket mortgage transaction, an existing Rocket mortgage additional principal
payment, or a statement credit, at different values.  Up to $8,000 in card
points value can be redeemed towards a new Rocket Mortgage transaction, applied
as a credit 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. 


Do I need a mortgage with Rocket Mortgage to apply for the Visa Signature Card?


Nope, anyone can apply for Rocket 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?


Cardholders do not need a mortgage with Rocket Mortgage to redeem their Rocket
Rewards points for a statement credit. However, to redeem rewards towards
mortgage principal or closing costs, cardholders will need to have an existing
or new mortgage with Rocket Mortgage.


As a Rocket Visa Signature Cardholder, do I have to pay for Rocket Money?


No, Rocket Money functionality is integrated into the Rocket Visa Signature Card
experience – there is no additional fee to use Rocket Money features!


How is the loan balance credit applied to my mortgage?


When you redeem your Rocket Rewards points for loan balance credit, it’s applied
directly to your mortgage loan balance (sometimes known as a principal balance).
While this doesn’t reduce the amount you owe for your monthly mortgage payment,
it helps you pay off your loan faster and pay less in interest overall.


How can I use my card rewards towards the closing costs and down payment of my
next home with Rocket Mortgage?


The Rewards points you earn by using your Rocket Visa Signature Card can be
redeemed towards savings on your next home with Rocket Mortgage – a credit (up
to $8k) will be applied to all funds required at closing, which include closing
costs, down payment and fees.

Rewards points earned outside of using your card, can also be used for an
additional closing cost credit (up to $2k).

Up to $8,000 in card points value can be redeemed towards a new Rocket Mortgage
transaction, applied as a credit 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. 


Are there any restrictions on how I can redeem the rewards I earn with my Rocket
Visa Signature Cardholder?


There are never any restrictions for statement credit redemption. But if points
are to be used towards a new purchase transaction or existing Rocket Mortgage
Principal, the following restrictions apply:


 * Points cannot be redeemed toward a Refinance Transaction (yet!)
   
 * Points cannot be redeemed in conjunction with a non-retail loan (third-party
   origination)
   
 * Points cannot be redeemed in conjunction with a Charles Schwab Partner loan
   

Credit Card not available for US Territory Residents. Cardholder Agreement and
Rewards Terms will be provided prior to application. Rocket Visa Signature Card
is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial
Bank, Member FDIC. Visa is a registered trademark of Visa Inc. The card may be
used everywhere Visa is accepted.

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.
‍
"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 a credit 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 towards additional principal on existing retail Rocket
Mortgage loans. Not available for Third Party originated or Charles Schwab
partner loans. 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 and service an
existing mortgage with Rocket Mortgage, LLC. The amount and terms of the Annual
Fee are included in your Cardholder Agreement. Similarly, the Rocket Visa
Signature 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




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