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 HELOC credit card.
No foreign transaction fees
Use it worldwide. No extra charges.
Mortgage rates, on a card
Your HELOC rate applies to your Trovy HELOC credit 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.
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 | 6.24% to 14.39% Variable APRs | 21% – 29%+ High variable rates | 20% – 28%+ High variable rates | Comparable to Trovy |
| 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 credit card includes
Mastercard
World Elite Benefits
Trovy customers get access to dozens of perks and discounts from companies such as...
Provides worldwide airport lounge access plus special offers on terminal dining, retail, and spa experiences. Fees/restrictions may apply.
Access to 1,900+ lounges
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
Provides worldwide airport lounge access plus special offers on terminal dining, retail, and spa experiences. Fees/restrictions may apply.
Access to 1,900+ lounges
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 HELOC credit 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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