The Trovy HELOC credit card.
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Your home's equity, in your wallet - Up to 2% cashback10
- Use anywhere Mastercard is accepted
- $0 draw fee
Takes 2 minutes • No credit impact5
Why homeowners love the Trovy HELOC credit card
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Your HELOC rate, on a card
Save 50%+ on interest compared to a regular credit card.3
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No draw fees on purchases
Other lenders charge up to 5% to access your HELOC.
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Instant access to your HELOC
No writing checks or waiting on a draw request.
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Works like a regular credit card
No interest on card purchases if you pay your balance in full each month.
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Elite cardholder benefits
Cashback rewards, plus a suite of cardholder benefits. Learn more here about Trovy HELOC credit card rewards and benefits.
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No annual fee
…and no foreign transaction fees. An elite card without the price-tag.
How it works
- 1
Open your Trovy HELOC
Simple 100% online application, with same-day closing available.
- 2
Get your Trovy HELOC credit card
A virtual card is ready to use right away; a physical card arrives by mail in 5-7 business days.
- 3
Spend with your Trovy HELOC credit card
Tap or swipe anywhere Mastercard is accepted. The money is drawn straight from your HELOC.
- 4
Pay monthly
One monthly statement covers your card spend, balance transfers, and cash outs.
An elite rewards program, without the price tag.
$0
annual fee
2%
cash back on home-related spending
1%
cash-back on everything else
Your HELOC rate, every time you tap or swipe.
Is the Trovy HELOC credit card right for me?
The Trovy HELOC credit card is a great fit if you:
- Want an easy way to access your line
- Want to avoid draw fees and delays that come with checks or transfer requests
- Want to earn cashback rewards on your spend
- Want an alternative to high-interest credit cards
"The approval was quick, the card arrived fast and the rates are competitive. The dashboard is intuitive and managing my money feels effortless. Never thought I'd say that about a financial product, but here we are."
— Verified Trustpilot review
The Trovy HELOC credit card is just one way to access your HELOC.
However you use it, it's all one balance on one HELOC account.
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Swipe your Trovy HELOC credit card
Same rate as your HELOC, no draw fees on purchases, and up to 2% cash back.
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Take cash out
Transfer cash to your bank account for whatever you need
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Transfer a balance
Refinance higher-interest debt by transferring it to your Trovy HELOC
Trovy vs. Aven: Which HELOC Card Is Right for You?
Read the articleFrequently asked questions
See allIs a HELOC credit card a HELOC or a credit card?
It's a credit card backed by your HELOC. Instead of requesting a draw or writing a check to access your HELOC funds, you can swipe or tap your Trovy HELOC credit card.
How quickly can I start using my Trovy HELOC credit card?
Once your account is open, you'll receive a virtual card that you can start using right away. We will also ship you a physical card in the mail. You should receive your card within 5 to 7 business days.
What is the interest rate on the Trovy HELOC credit card?
Your HELOC interest rate is the rate that applies to all your Trovy HELOC credit card purchases. Homeowners with the Trovy HELOC never need to pay typical credit card rates (which average 22.25%) again.
What rewards does the Trovy HELOC credit card offer?
You'll get 2% in cashback rewards on home-related purchases with your Trovy HELOC credit card, and 1% cashback on all other purchases. Trovy HELOC cardholders also get up to $25 to $50 per quarter in home service credits, depending on rewards tier, that can be applied to eligible home services purchases. The Trovy HELOC credit card also offers a suite of other cardholder perks. Learn more about Trovy HELOC credit card rewards.
