Simply applying for a Rocket Card and moving through the pre-approval process will not hurt your credit score. The pre-approval process allows you to find out your pre-approved credit limit and APR for Rocket Card without any impact to your credit score. For thin-file applicants (AKA those with very little credit history), financial factors outside of your credit score are taken into account which can qualify some users for more credit at better rates***.
After you are pre-approved and choose to accept the terms, we will perform a hard credit check and open your account, which may impact your credit score. Keep in mind, this is standard practice for most credit cards in the U.S.
***Pre-approval does not guarantee an account approval and you must submit a full application for review in order to apply for any offer(s) of credit. Submitting for a pre-approval is how you find out if you may be eligible for a Rocket Card without impacting your credit score.
Rocket Card is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.