SmartPay is a payment option that automatically pays down your balance regularly and on-time, helping you avoid accruing interest. Instead of making one big payment at the end of your statement cycle, SmartPay makes small payments steadily throughout the month to keep your credit utilization low, which could help improve your credit over time.

How it works

  1. Easily set up your SmartPay rules, like Maximum Daily Payment and a Safe To Pay Threshold.

  2. As you use your card, SmartPay makes payments when you have available cash that’s safe to spend based on your rules.

  3. Before making any payments, we’ll give you a heads up, so you stay in control. You can skip or pause payments anytime.

What are the different SmartPay settings?

  1. Safe To Pay Threshold: To avoid potential overdrafts, SmartPay will not make a payment if your billing account balance is at or below the Safe To Pay Threshold amount.

  2. Maximum Daily Payment: SmartPay will not make a payment over this amount on a given day.

  3. Fallback Payment: In the case that you’re unable to pay the entire statement balance for your card during the statement period—either because your SmartPayments weren’t high enough to cover the balance or because you needed to skip payments—your Fallback Payment Plan will automatically trigger to avoid late fees and/or interest. There are three plan options to choose from when setting up SmartPay:

    1. Pay the full statement balance

    2. Pay the minimum payment

    3. Do nothing

If you select "Do Nothing", we suggest that you adjust your other SmartPay settings to ensure that your statement balance will be 100% paid down by the end of the statement period.


Rocket Card is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

Did this answer your question?