Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.49% - 29.24%(Verified 01/08/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 01/08/2025)
Credit Score Range
N/A
Annual Fee
$0
Rocket Card Review
This is a cashback credit card issued by Celtic Bank, a Utah-Chartered Industrial Bank. If you're wondering whether Rocket Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. Earn up to 5% cash back on all your purchases and use those points toward closing costs.
- Welcome bonus of $200 statement credit when customer spends $3,000 in the first 90 days from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.49% up to 29.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, purchase security, travel assistance, and fraud protection.
Pros & Cons of Rocket Card
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Rocket Card FAQ
Does Rocket Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 5 x points (Earn up to 5 points for every $1 spent. Points are redeemable toward a new Rocket Mortgage purchase transaction, additional principal payment on an existing Rocket Mortgage loan, or a statement credit, at different values. ) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Rocket Card have a signup bonus?
Yes. Welcome bonus of $200 statement credit when customer spends $3,000 in the first 90 days from account opening.
Does Rocket Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Rocket Card benefits?
Rocket Card provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Rocket Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Rocket Card has a variable purchase APR that ranges from 19.49% up to 29.24%. Rocket Card does not offer balance transfers.
Does Rocket Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Rocket Card does not offer balance transfers.Does Rocket Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Rocket Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Rocket Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Rocket Card?
The customer service number for Rocket Card is (313) 373-7990.
What is the login page for Rocket Card?
You can access the login page of Rocket Card here.
How do people rate the customer service and user experience of Rocket Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Rocket Card report your account activity to credit bureaus?
Yes, Rocket Card reports to the following credit bureau:
- Equifax
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Rocket Companies perform a hard credit pull?
Yes, Rocket Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Rocket Card
- Visit the website of Rocket Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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