Made Card
Made Card is a U.S. fintech that offers a Visa rewards credit card designed for homeowners, featuring tiered points, a Mortgage Match bonus tied to mortgage payments, and integrated homeowner benefits such as preventive HVAC maintenance and property tax appeals.
- Company typePrivate
- Founded2025
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Made Card does
Made Card (legal entity mCard Technologies, Inc.) is a U.S. financial technology company that issues a rewards credit card designed specifically for homeowners with mortgages. Founded in 2025 and headquartered in New York City, the company serves U.S. consumers carrying a mortgage on their primary residence, addressing the high and complex costs of homeownership through a vertically specialized rewards product. Made Card is not a bank; its Made Essential Visa Signature Preferred Card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc.
The core product combines a tiered points structure — 3x on essentials (gas, EV charging, groceries, utilities), 2x on home-related spend (furniture, home improvement, maintenance), and 1x on everything else — with a proprietary Mortgage Match feature that awards an additional bonus point per dollar spent, up to the value of the cardholder's monthly mortgage payment. Mortgage verification is handled via a Plaid integration, allowing users to link their existing mortgage payment bank account without changing payment behavior. The card is augmented by a Home Care Benefits suite (two free preventive HVAC maintenance visits per year, AC filter credits, property tax appeals via Abode Money, utility/internet negotiation, and a 24/7 service provider referral hotline), purchase protections (price protection, purchase security, extended warranty, return protection), and a mobile app with virtual cards, a refinancing tracker, price match, and subscription management. Made Card is SOC 2 Type II compliant and adheres to PCI DSS.
Made Card monetizes through interchange fees on card transactions and affiliate/partner commissions from card-linked offers and merchant partnerships disclosed in its Rewards Agreement. The card has no annual fee and carries a variable APR of 17.24%–29.24%. Distribution combines direct-to-consumer digital acquisition (iOS/Android app and website with a no-credit-impact pre-approval check) with embedded channel partnerships, most notably Fairway Home Mortgage (nationwide rollout from January 2026) and Multiply Mortgage (workplace benefit program). The company raised over $8 million in an oversubscribed seed round led by Jump Capital and Village Global in November 2025.
Made Card firmographics
Firmographics- Name
- Made Card
- Legal name
- mCard Technologies, Inc.
- Website
- https://madecard.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Made Card is a U.S. fintech that offers a Visa rewards credit card designed for homeowners, featuring tiered points, a Mortgage Match bonus tied to mortgage payments, and integrated homeowner benefits such as preventive HVAC maintenance and property tax appeals.
- Ownership category
- akta.pro rank
Made Card industry classification
Industry- Product category
- Consumer Credit Cards
- NAICS
- Credit Card Issuing (522210), Credit Card Issuing (52221)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Rewards & Loyalty Credit Cards (FSAKABAH)
- akta.pro secondary industry
- Co-Branded Card & Card-Linked Offers Enablement (Issuer/Network Integrations) (THALAKAI)
Keywords
Where Made Card is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Made Card business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Interchange Fees: Made Card earns interchange fees on every card transaction. As a co-branded credit card issued by Lead Bank under a Visa license, the company receives a share of the interchange revenue generated from cardholder purchases across all spending categories.
- Affiliate Commissions & Partner Revenue: Made Card receives compensation, commissions, referral fees, and financial benefits from merchants, partners, and third-party service providers in connection with card-linked offers, promotional offers, and affiliate marketing arrangements. The company may also earn revenue based on cardholder account activity, spending patterns, and data insights shared with partners.
- Card-Linked Offers & Promotional Partnerships: Made Card partners with merchants to provide statement credits and bonus point opportunities, receiving compensation for validated qualifying purchases and successful customer acquisitions through these partnerships. The Rewards Agreement explicitly discloses that Made Card may receive financial benefits from these arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Made Essential Visa Signature Preferred Card — No Annual Fee |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Made Card product offering
Product offeringCore offering
Made Card is a financial technology company that offers the Made Essential Visa Signature Preferred Credit Card, a Visa-branded rewards credit card tailored for homeowners. The card pays tiered rewards (3x on gas, EV charging, groceries, and utilities; 2x on home-related spending; 1x on everything else), plus a Mortgage Match feature that awards bonus points up to the user's monthly mortgage payment. It is bundled with Home Care benefits (preventive HVAC maintenance, property tax appeal, utility negotiation, service provider referrals), built-in purchase protections, and an AI-enhanced mobile app for account management and homeowner tools.
Product overview
Made Card is a fintech company offering a unified financial platform built around the Made Essential Visa Signature Preferred Card. The core product is a rewards credit card tailored for homeowners, featuring tiered earning rates (3x on essentials, 2x on home spending, 1x on everything) plus a unique Mortgage Match benefit. The platform includes a companion mobile app, and is augmented by several add-on modules: Home Care Benefits (preventive maintenance, utility negotiation, property tax appeals), Purchase Protections (extended warranty, price protection), and homeowner tools (refinancing tracker, virtual cards with spending limits). The ecosystem is powered by partnerships with Fairway Home Mortgage and Multiply Mortgage for mortgage-linked rewards, and integrates with Plaid for mortgage verification and digital wallets (Apple Pay, Google Pay) for payments.
Differentiator
Problem solved
Functional benefit
Products and services
- Made Essential Visa Signature Preferred Card A no-annual-fee Visa Signature Preferred rewards credit card designed for U.S. homeowners with a mortgage, offering 3x points on gas, EV charging, groceries, and utilities; 2x on home-related spend (furniture, home improvement, maintenance); 1x on everything else; plus a Mortgage Match feature that awards +1 bonus point on every purchase up to the cardholder's monthly mortgage payment. Bundled with Home Care benefits (preventive HVAC maintenance, property tax appeal, utility negotiation, service provider referrals), purchase protections, and an AI-enhanced mobile app.
Quantifiable outcome
- Cardholders spending $5,000/month can earn approximately 9,000 points monthly from base spend plus up to 3,000 Mortgage Match points on a $3,000 mortgage payment, equating to ~$1,440 in annual value at a 1pt = $0.01 redemption rate.
- +3 more outcomes
Companies that use Made Card
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Made Card technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
Made Card partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Multiply MortgagecorePartnership with Multiply Mortgage to provide exclusive financial benefits to homebuyers who finance through Multiply's workplace benefit program. Homebuyers receive a sign-on bonus redeemable toward closing costs and elevated cashback on mortgage payments, utilities, maintenance, and repairs. The collaboration extends homeowner support beyond closing day, with Made Card serving as the credit card purpose-built for ongoing homeowner expenses.
- Fairway Home MortgagecoreNationwide partnership with Fairway Home Mortgage (30+ years of operation, nationwide network of mortgage professionals) to co-brand and distribute the Made for Home Card. Fairway borrowers receive 20,000 bonus points upon signing up and spending $500 within 3 months. Fairway borrowers can redeem points toward Fairway loan closing costs and rate buydowns, creating a unique closed-loop homeowner reward ecosystem. Fairway markets the card nationwide starting January 2026. The card is also marketed through a co-branded landing page (madecard.com/madeforhome).
- Lead BankcoreLead Bank is the issuing bank for the Made Essential Visa Signature Preferred Credit Card. The card is issued by Lead Bank pursuant to a Visa U.S.A. Inc. license. Made Card operates as a financial technology company (not a bank) and partners with Lead Bank for the banking and card-issuing infrastructure. Lead Bank's privacy policy applies alongside Made Card's own privacy policy.
- PlaidcorePlaid is used for secure mortgage verification. Cardholders link the bank account they use to pay their mortgage via a secured Plaid connection. This enables the Mortgage Match feature without requiring cardholders to change how or where they pay their mortgage. Plaid integration provides a secure, frictionless path to verifying mortgage information for reward eligibility.
- Abode MoneyminorAbode Money provides the property tax appeal service available to Made Card holders. The service costs $99 per year; Made Card customers receive a $50 credit upon opting in. Abode Money analyzes the cardholder's property assessment in the market and files an appeal on their behalf.
- Costco, BJ's Wholesale Club, Sam's Club, Orkin, ADT, Good Greek Moving & Storage, Samsung, Clutter, HelloFresh, MOEN, KinderCare, Fetch Pet InsuranceminorExclusive network of merchant partner benefits including wholesale clubs (Costco, BJ's, Sam's Club), home services (Orkin, ADT), moving services (Good Greek), electronics (Samsung), storage (Clutter), meal kits (HelloFresh), plumbing fixtures (MOEN), childcare (KinderCare), and pet insurance (Fetch Pet Insurance). These partners provide exclusive offers and discounts to Made Card holders as part of the Home Care benefit suite.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Made Card competitors and assessment
Company assessmentEmerging players
- Brex: Brex is a venture-backed fintech that built its business around a corporate credit card and has expanded into broader financial software. While primarily B2B, it is comparable as a modern fintech that disrupted incumbent card economics via partnerships and software-led experiences.
- Ramp: Ramp is a fintech that built a corporate card product on top of a software platform and has scaled rapidly as a venture-backed competitor to incumbents. Comparable as a software-led fintech credit card company, although its primary market is B2B spend rather than consumer homeowners.
- Rocket Money: Rocket Money (formerly Truebill) provides personal finance tools including subscription management, bill negotiation, and budgeting. Several of these features (subscription management, utility negotiation, service provider referrals) overlap directly with Made Card's Home Care benefits suite.
Direct peers
- Bilt Rewards: Bilt Rewards issues a Mastercard that lets users earn points on rent payments (and now mortgage payments) - directly analogous to Made Card's housing-payment reward thesis. Both target consumers with major housing expenses and bundle rewards around housing payments, making Bilt the closest concept and execution comparable.
Others
- Rocket Mortgage: Largest U.S. mortgage lender and a natural strategic partner or competitor for any homeowner-focused fintech. Rocket Mortgage has explored adjacent credit and home-equity products and represents both a partnership opportunity and a threat if it built an in-house homeowner credit card.
- Better.com: Digital-first mortgage lender expanding into broader homeowner financial services (Better Money, real estate, title, insurance). Comparable as a digital homeowner-finance platform, though it does not currently offer a proprietary consumer credit card.
Broad incumbents
- American Express: American Express dominates the premium rewards card category and could extend into vertical-specific homeowner rewards. It is a benchmark for high-engagement rewards products and a large incumbent competing for share-of-wallet among affluent homeowners.
- SoFi: SoFi offers a credit card alongside mortgage origination, personal loans, and a broader consumer finance platform. It is a scaled incumbent competing for the same homeowner demographic with a credit card plus a mortgage product bundle, though its rewards are general-purpose rather than homeowner-specific.
- Citi: Citi issues a wide rewards card portfolio and has home-related card products. As a large incumbent credit card issuer, it competes for the same homeowner segment and is also a potential partner for card-linked offers or co-brand structures.
- Chase: Chase is the largest U.S. credit card issuer with multiple homeowner-relevant products (Sapphire, Freedom, Slate) and home lending franchises. It is the broad incumbent against which Made Card's vertical rewards compete and is also a potential strategic acquirer or partner.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Made Card social profiles
Digital presenceMade Card compliance and trust
Trust signalCompliance2 records
Made Card financial estimates
Financial estimateRevenue estimate
Valuation estimate
Made Card leadership team
Management profileNumber of profiles
Profiles1 record
Made Card funding detail
Funding detailFunding overview
Funding rounds1 record
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Made Card M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Made Card
What does Made Card do?
Made Card is a financial technology company that offers the Made Essential Visa Signature Preferred Credit Card, a Visa-branded rewards credit card tailored for homeowners. The card pays tiered rewards (3x on gas, EV charging, groceries, and utilities; 2x on home-related spending; 1x on everything else), plus a Mortgage Match feature that awards bonus points up to the user's monthly mortgage payment. It is bundled with Home Care benefits (preventive HVAC maintenance, property tax appeal, utility negotiation, service provider referrals), built-in purchase protections, and an AI-enhanced mobile app for account management and homeowner tools.
Is Made Card a public or private company?
Made Card is a private company. It is classified as venture growth investor backed and is currently operating.
When was Made Card founded?
Made Card was founded in 2025. It employs 11 to 50 people.
Where is Made Card based?
Made Card is headquartered in New York, United States, in the North America region.
How does Made Card make money?
Three revenue lines are on record. Interchange Fees are the primary driver. The others are affiliate Commissions & Partner Revenue and card-Linked Offers & Promotional Partnerships.
Who are Made Card's main competitors?
Emerging players on record are Brex, Ramp and Rocket Money. Bilt Rewards is listed as a direct peer. Others are Rocket Mortgage and Better.com. Broad incumbents are American Express, SoFi, Citi and Chase.
Does Made Card have an API?
No public API is recorded for Made Card.
What industry is Made Card in?
Made Card's product category is Consumer Credit Cards. Its primary akta.pro industry code is FSAKABAH, Rewards & Loyalty Credit Cards, with a secondary code of THALAKAI, Co-Branded Card & Card-Linked Offers Enablement (Issuer/Network Integrations). Its NAICS code is 522210 and its SIC code is 6321.