Last Updated: November 4, 2024

Rocket Card, LLC (“Rocket Card”) offers a credit card called the Rocket Visa Signature Card. The Rocket Visa Signature Card is issued by Celtic Bank, and powered by Deserve. By agreeing to the Rocket Visa Signature Card Credit Card Cardholder Agreement (“Cardholder Agreement”), you agree to the terms and privacy policy of Celtic Bank, available at: https://www.celticbank.com/privacy and https://www.celticbank.com/terms-conditions and the terms and privacy policy of Deserve available at: https://www.deserve.com/legal/terms-of-service and Deserve Privacy Policy. Your individual Cardholder Agreement contains the primary terms that govern your use of the Rocket Visa Signature Card.  

General 

Rocket Visa Signature Card is only available within select U.S. states and is not available in New Hampshire, U.S. territories or other countries. You may only be enrolled in one card program operated by or with Rocket Card or Rocket Money, Inc. (“Rocket Money”). If you have already enrolled with a separate card program operated by Rocket Money, you will be unable to apply for a Rocket Visa Signature Card until you close your other card with Rocket Money. You may close your card with Rocket Money if you wish to apply for the Rocket Visa Signature Card. If you wish to apply for a Rocket Visa Signature Card and you have an open application with a separate card program, you must first abandon that application. You may only apply for the Rocket Visa Signature Card once every 32 days. 

Rewards 

Cardholders with a Rocket Visa Signature Card will earn Points on qualifying transactions via the Rocket Rewards Program. When you open your Rocket Visa Signature Card account, you will be automatically enrolled in the Rocket Rewards Program at your first statement. Cardholders can see their earned Points on the Rewards Dashboard, on the Card Dashboard, and in the Rocket Money App. Cardholders can redeem Points on the Rewards Dashboard when their Points become available for redemption. Card Points become available for redemption once the statement cycle in which the Points were earned closes, and in accordance with the Cardholder Rewards Terms of Use. 

If Rocket Card, or any service provider responsible for monitoring fraud suspects you of fraud, all Points redemptions may be paused in our sole discretion, and we may rescind any and all Rewards Points issued in connection with the Rocket Rewards Program. 

SmartPay, Autopay, Scheduled Payments and Late Fee Protection 

Rocket Visa Signature Card may offer AutoPay, SmartPay, Scheduled Payments, and/or Late Fee Protection, which are advanced payment options. The terms and conditions governing electronic fund transfers for AutoPay, SmartPay, Scheduled Payments, and Late Fee Protection can be found in the Standing Authorization for Electronic Fund Transfers, and authorization for these payment options may be revoked as set forth therein. The Rocket Visa Signature Card endeavors to provide advance notification of money movements via the Rocket Money App, Card Dashboard, and email for your convenience, but in some circumstances, notifications may not arrive for you. It is your responsibility to regularly check the Rocket Money App or Card Dashboard, and neither Rocket Visa Signature Card nor Rocket Card assumes any liability for any outcome that may occur if notifications are not successfully delivered. 

Rocket Money Premium 

Access to Rocket Money Premium membership is included as a benefit of the Rocket Visa Signature Card. 

Promotional Spend Bonus 

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.