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The year is 1996, and a treasure hunter, Brock Lovett, and his team explore the wreck of the RMS Titanic in their submersible. A safe is brought to the surface and is opened. It contains not the fabled treasure the adventurers had hoped for, but only papers. One of them is a pencil portrait dated April 14, 1912, and signed "JD". It shows a beautiful young woman reclining nude with casual modesty on a couch. On a necklace around her is the treasure they seek: the diamond known as "The Heart of the Ocean".
Rose DeWitt Bukater, known as Rose Dawson Calvert, an ancient but still lively woman of almost 101 years, watches a CNN report of the treasure hunt and sees the nude portrait. She phones the treasure hunter Brock Lovett and informs him that she knows about the diamond, the Heart of the Ocean, and also the identity of the beautiful young woman in the portrait: "Oh, yes. The woman in the picture is me." Rose, accompanied by her granddaughter Lizzy Calvert, flies out to the ship at the recovery site and proceeds to tell the treasure hunters of her experiences on the Titanic.
Rose, 17 years old on April 10th, 1912, boards the ship with the upper-class passengers and her mother, society matron Ruth DeWitt Bukater, and her fiancé, industrialist Caledon Hockley. While Rose merely considers Caledon as a friend but not a suitable husband, her uncaring mother pushes for the marriage for financial security, to maintain their current lavish lifestyle and bolster the social cachet among the Philadelphia elite. Meanwhile, a drifter and artist named Jack Dawson and his best friend Fabrizio De Rossi win third-class tickets to the ship in a poker game.