New Made Card Offers Rewards on Eligible Mortgage Payments

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Published Nov 26, 2025 1:46 p.m. PST · 1 min read Written by Senior Writer & Content Strategist + more + more Edited by Managing Editor + more + more SOME CARD INFO MAY BE OUTDATED

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Homeowners now have a new way to get some value back on their mortgage payments. Image courtesy of Made The $0-annual-fee Made Essential Visa Signature Preferred Card — recently launched by Made Card, a New York-based financial technology company — will earn rewards on everyday spending, home-related expenses, mortgage payments and more. Issued by Lead Bank, the card lets you earn rewards on any mortgage, although if you want to redeem those rewards toward that monthly expense, it must be a loan from Fairway Home Mortgage. Otherwise, there are a variety of other redemption options you can choose. redeem A credit card that lets you earn rewards on mortgage payments — without incurring fees or surcharges on those payments — is rare but not unheard of, thanks to products from companies like Mesa and Bilt. Here’s a closer look at what the Made credit card will offer. » MORE: Can you pay your mortgage with a credit card? » MORE:

How the Made credit card works

You don't use the Made card to pay your mortgage directly, but you'll need to link your mortgage with Fairway or via Plaid (a third-party service). Importantly, in order to earn any rewards on your mortgage, you'll also need to spend with the card in other categories. any

Rewards

The Made card earns: 3X points per $1 on gas, EV charging, groceries and utilities (up to 30,000 points per calendar year). 2X points per $1 on home improvement, home maintenance and furniture (up to 20,000 points per calendar year). 1X point per $1 on all other purchases. Bonus “mortgage matching” points: For every dollar spent on purchases, you’ll earn 1 point for your mortgage payments (inclusive of taxes, HOA fees and other escrow payments). Mortgage matching points are capped at the monthly amount of your mortgage payment. Bonus “mortgage matching” points: For example, if your monthly mortgage payment is $2,000 and you spend $1,500 in groceries during the billing cycle, you’ll earn 4,500 points on groceries (3x rate), plus 1,500 points on your mortgage through mortgage matching (you had $500 in spending left before hitting the $2,000 cap). To qualify for mortgage matching, the mortgage account must be for your primary residence, and you must be the owner of record on the property. ? Nerdy Tip On the More website, you can see whether you’re preapproved without any initial impact to your credit scores. (It’s not until you officially accept the offer that your credit scores may temporarily drop, as is common with most credit card applications.) » MORE: NerdWallet's best credit cards for home improvement » MORE:

Redemption options

You can redeem your points in several ways: Statement credit. Gift cards. Cash back. Toward closing costs on future Fairway refinances or purchases. Mortgage redemptions offer the best value, at 1 cent per point. Points are worth 0.8 cent each toward gift cards, and 0.7 cent each for statement credit. Points don't expire as long as the account remains open, active and in good standing.

Other benefits

The Made credit card also offers the following perks: Two complimentary preventative HVAC maintenance visits per year. An air conditioning filter credit. A 24/7 repair hotline for system and appliance emergencies. Access to pre-screened service providers. Exclusive home-related service or product deals. Occasionally, the card may also feature other incentives, like card-linked offers when you make qualifying purchases with select merchants. Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines. About the author Melissa Lambarena Melissa is a credit cards writer at NerdWallet. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. See full bio. Helpful resources Best Cash Back Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards

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