It's rewarding to be a homeowner.
Discover the best rewards program – with no annual fees. Because you've earned it.
2% cash back
2% on home purchases. 1% on everything else.8
No fees on card spend
No draw fees when you use your Trovy card.
No foreign transaction fees
Use it worldwide. No extra charges.
Mortgage rates, on a card
Your HELOC rate applies to your Trovy Card purchases.
Get paid to improve your home.
With our Home Credits™ program, receive up to $200 in statement credits per year on any home-related services, including home improvement and home repair.
Spend on top brands
...and get rewarded.
How do we compare to your favorite program?
Scroll to explore the comparison
| Feature |  |  |  |  |
|---|---|---|---|---|
| Annual fee | $0 | $395 to $695+ | $0 to $95 | $0 |
| Credit card feature | Yes | Yes | Yes | No |
| Avg. interest rate | 5.39% to 14.24% Variable mortgage rates | 21% – 29%+ High variable rates | 20% – 28%+ High variable rates | Comparable Variable mortgage rates |
| Elite upgrades | Reach Premium Tier at $24k annual spend | Paid Tier or High Spend | Rarely available | Usually none |
| Cash back | Yes | Yes | Yes | No |
| Network benefits | Mastercard World Elite® Benefits | Varies by card | Standard network perks | Usually none |
| Rewards focus | Home expenses | Airfare & lounge access | Groceries & gas | Not applicable |
| Reimbursement | $100–$200 annually on home services | No | No | No |
Your Trovy HELOC Card includes
Mastercard
World Elite Benefits
Trovy customers get access to dozens of perks and discounts from companies such as...
Must subscribe to a full-priced Peacock Premium or Peacock Premium Plus monthly plan using a qualifying World Elite card. Ends 12/31/27.
$3 monthly statement credit
Get $10 off the 2nd qualifying order each month. New members get 3 free months of Instacart+. Requires active membership paid with eligible card. Ends 1/31/27.
$10 off & 3 months free
Take 3 eligible rides in a calendar month and pay with an eligible World Elite Mastercard. Limit 1 credit per month. Ends 1/31/27.
$5 Lyft credit
Save 10% on scheduled rides to/from qualifying U.S. airports when paying full amount with World Elite card. Personal profiles only. Ends 1/31/27.
10% off scheduled airport rides
Offers Mastercard cardholders the opportunity to engage in exclusive, once-in-a-lifetime experiences.
Exclusive access
Access to TPC Network Clubs, domestic and international golf travel packages, golf schools, and more.
Exclusive access
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings, and event access.
24/7 complimentary access
Detects and helps quickly resolve ID theft events, 24/7.
Complimentary service
Stay safe from unauthorized purchases.
100% protection
Automatic cash-back offers program at marquee merchants when traveling abroad.
Cash back
Spend $10+ monthly on contactless public transit in eligible cities (Boston, Chicago, Dallas, Miami, Philadelphia, New York/NJ, Washington D.C.; expanding to Atlanta, LA, San Diego, and San Francisco in June 2026). Limit 1 credit per month. Ends 12/31/27.
$2.50 statement credit
Always-on 48-hour presale access and premium reserved seating at 1,200+ annual events — including 11 iconic venues and 3 major music festivals — with onsite perks.
Presale access & premium seating
Unlock priority reservations at acclaimed, award-winning restaurants globally.
Priority restaurant access
24/7 customer support network providing assistance with lost and stolen cards, emergency cash advances, finding ATMs, account info, and more.
24/7 assistance
Suite of benefits, amenities and upgrades, preferential treatment, and premium travel offers.
Exclusive access
Must subscribe to a full-priced Peacock Premium or Peacock Premium Plus monthly plan using a qualifying World Elite card. Ends 12/31/27.
$3 monthly statement credit
Get $10 off the 2nd qualifying order each month. New members get 3 free months of Instacart+. Requires active membership paid with eligible card. Ends 1/31/27.
$10 off & 3 months free
Take 3 eligible rides in a calendar month and pay with an eligible World Elite Mastercard. Limit 1 credit per month. Ends 1/31/27.
$5 Lyft credit
Save 10% on scheduled rides to/from qualifying U.S. airports when paying full amount with World Elite card. Personal profiles only. Ends 1/31/27.
10% off scheduled airport rides
Offers Mastercard cardholders the opportunity to engage in exclusive, once-in-a-lifetime experiences.
Exclusive access
Access to TPC Network Clubs, domestic and international golf travel packages, golf schools, and more.
Exclusive access
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings, and event access.
24/7 complimentary access
Detects and helps quickly resolve ID theft events, 24/7.
Complimentary service
Stay safe from unauthorized purchases.
100% protection
Automatic cash-back offers program at marquee merchants when traveling abroad.
Cash back
Spend $10+ monthly on contactless public transit in eligible cities (Boston, Chicago, Dallas, Miami, Philadelphia, New York/NJ, Washington D.C.; expanding to Atlanta, LA, San Diego, and San Francisco in June 2026). Limit 1 credit per month. Ends 12/31/27.
$2.50 statement credit
Always-on 48-hour presale access and premium reserved seating at 1,200+ annual events — including 11 iconic venues and 3 major music festivals — with onsite perks.
Presale access & premium seating
Unlock priority reservations at acclaimed, award-winning restaurants globally.
Priority restaurant access
24/7 customer support network providing assistance with lost and stolen cards, emergency cash advances, finding ATMs, account info, and more.
24/7 assistance
Suite of benefits, amenities and upgrades, preferential treatment, and premium travel offers.
Exclusive access
Check your rate in 2 minutes.
Enjoy the low interest rates of a HELOC – with the flexibility and ease of a credit card. Your HELOC comes with a Trovy Card you can use anywhere Mastercard is accepted. In addition to the ability to withdraw cash or transfer balances, accessing your home equity is as easy as swiping a credit card.
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