Jennifer Vermeer | 

Get 5 Rocket Points for Every $1 Spent With Your Rocket Visa Signature Card

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Sign up for a Rocket Visa Signature Card, and you'll start earning up to five Rocket Rewards points for every $1 spent. Those points can be used toward Rocket Mortgage closing costs, your Rocket Mortgage principal, or your Rocket Visa Signature Card statement. There's no annual fee when you have a Rocket Mortgage (a savings of $95).

Rocket Visa Signature Card
What to buy
Free with Rocket Mortgage

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How to get the deal:

  • Head to the website.

  • Enter your email address and click the "apply now" button.

  • Complete the application with your contact and personal information.

  • Once completed, if approved for the card, follow the steps for signing up to get your card. You'll receive the card within a few weeks of applying and being approved.

  • Don't forget that you can earn a $200 statement credit when you spend $3,000 or more in your first 90 days.

What is the Rocket Visa Signature Card?

The Rocket Visa Signature Card, powered by Deserve and issued by Celtic Bank, is a tool to help new and current homeowners pay off their mortgage sooner. Users get a $200 statement credit after spending $3,000 in the first 90 days, along with earning five points for every $1 spent on everyday purchases. These points can be redeemed towards a new Rocket Mortgage purchase, additional principal payment on an existing loan, or as a statement credit. The card also provides access to Rocket Money, allowing users to track spending, set savings goals, and monitor credit, ultimately helping them achieve homeownership goals sooner.

The fine print:


Bottom line cost: There's no annual fee for customers with a Rocket Mortgage. If you don't have a Rocket Mortgage, you'll pay a $95 annual fee.

How do I redeem my points? Every time you use your Rocket Visa Signature Card, you'll earn five Rocket Rewards points. From there, you'll be able to redeem those points toward the following: Rocket Mortgage closing costs, down payment (5% cash back value), Rocket Mortgage principal (2% cash back value), or a statement credit (1.25% cash back value).

Do I need to have Rocket Mortgage? You do not need to have Rocket Mortgage to apply. However, to use your reward points toward your closing costs or mortgage principal, you will need to have Rocket Mortgage.

Will applying for the card impact my credit score? According to the website, completing the preapproval process includes a soft credit check, which does not impact your credit score. However, if you choose to accept the offer upon approval, a hard credit pull will occur, which could impact your credit score.

When will I receive my card? You will receive your card within a few weeks of completing the application process.

Do I need to cancel? Yes, if you decide that you no longer want to use this card, you'll need to cancel. Contact customer service to do so.

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