Your mortgage unlocks 4% back
Mortgage Match adds 1% to every category when you link your mortgage.
See how Mortgage Match worksUp to. Assumes monthly card spend at least equal to your mortgage payment, with points redeemed toward your mortgage or home purchases at 1¢ per point.
Earn on everything you spend
back on gas, EV charging,
groceries & utilities
back on home improvement,
maintenance & furniture
back on
everything else
The only credit card with a built‑in home warranty
When your heating or A/C breaks down, a pre-screened pro comes out to fix it, and your plan covers $2,000 a year in repairs or replacement.1 Plus two free checkups a year to catch problems early.
If your heating or A/C breaks down, a pre-screened pro fixes it, and covered repairs are guaranteed for 180 days.
Learn about the HVAC Protection PlanA pro checks your system twice a year to catch small problems before they turn into costly repairs.
Learn about the HVAC Home Care Plan
Redeem toward your home
Cover your home purchases
Put your rewards toward home improvement, furniture, appliances, contractors and more.
Lower costs on your next Fairway mortgage
Put your rewards toward closing costs or a rate buydown. Only the Made for Home Card lets you redeem toward a Fairway loan.
Gift Cards
Redeem for gift cards at your favorite brands
Statement Credit
Redeem as a credit on your statement
Enjoy exclusive homeowner benefits
Homeowner Extras
Included with your HVAC Protection Plan:
- Emergency Lodging1: Up to $1,200 for a hotel if your only heat or A/C is down 24+ hours waiting on parts
- Lockout Reimbursement: Up to $50 for a locksmith if you’re locked out, once a year
- Filter Credit: $25 toward an A/C or heating filter, enough to cover most standard filters
- 24/7 Repair Referrals: Pre-screened pros for HVAC, plumbing, electrical and appliances
Purchase Protection
Spend with additional peace of mind. For eligible purchases on the Made for Home Card, enjoy:
- Extended Warranty2: Adds up to one extra year on manufacturer coverage
- Purchase Protection2: Up to $1,000 per claim for theft or damage within 90 days
- Return Protection2: Up to $250 back if a retailer won’t accept a return
- Price Protection2: Refund the difference if an item drops in price within 60 days
How Mortgage Match works
See our points calculator to find out how many points you could earn.
Is there an annual fee?
No - there is no annual fee associated with the card.
What does the HVAC Protection Plan cover?
Repairs and replacements of your heating and A/C system when it breaks down from normal wear and tear, including accessible ductwork, refrigerant, failures from rust and corrosion, and unknown pre-existing conditions, $2,000 per plan year. See the plan terms for full coverage details, limits and exclusions.
Does the HVAC Protection Plan cost anything?
The plan is included with your Made for Home Card.1 A $200 deductible applies each time you request service.
How do I request an HVAC repair?
Request service 24/7 at my.cinchhomeservices.com or by calling (800) 476-1705. Cinch will send a pre-screened service provider in your area.
What are Made Points, how do I earn them, and how do I redeem them?
What they’re worth: Made Points are the rewards you earn with the Made for Home Card. Each point is worth 1¢ when redeemed toward your mortgage or home-related purchases, so the 3x, 2x and 1x points you earn equal 3%, 2% and 1% back.
How to earn Made Points:
- 3x points (3% back) on gas, EV charging, groceries and utilities
- 2x points (2% back) on home improvement, home maintenance and furniture
- 1x points (1% back) on everything else
- Mortgage Match: link your mortgage and earn 1 bonus point (1% back) for every dollar of your monthly mortgage payment, up to your total card spend that month
The 3x and 2x rates apply to the first $10,000 of spend in each category per year, then 1x.
How to redeem Made Points: Redeem in the Made app or web portal.
- Toward your mortgage (such as closing costs or a rate buydown on your next Fairway loan) or home-related purchases: 1¢ per point. 10,000 points = $100.
- Gift cards: 0.8¢ per point. 10,000 points = $80.
- Statement credit: 0.7¢ per point. 10,000 points = $70.
Points don’t expire as long as your account remains open, active and in good standing.
How do I earn points on my mortgage?
Once you have the card, all you have to do is follow the instructions to link your mortgage — it’s just a few clicks, and after that, every time you spend on your card, you’ll earn bonus points on your mortgage payment on top of all of your points for card spend.
How does this affect my mortgage?
There is no impact to your mortgage. The Made for Home Card does not directly interact with your mortgage payment. You cannot pay your mortgage with the Made for Home Card. You continue paying through your lender or servicer as always.
Can I link and earn points on multiple mortgages?
Unfortunately, at this time, each cardholder can only earn points on one mortgage.
How do I apply for the Made for Home Card?
You can apply in the Made App (available on iOS or Android).
Does applying impact my credit score?
You can check if you're pre-approved with no impact to your credit score. If you accept the offer, then like any credit card, we would pull your credit score, and there may be a small, temporary impact.
Who should I reach out to if I need help?
All customer support inquiries should go through Made. You can email us at support@madecard.com or call us at 1-888-365-6233.
Home spending, made easy
Track rewards, link your mortgage, and create virtual cards for renovations, subscriptions and more.
For more than 30 years, Fairway’s nationwide network of mortgage professionals has been committed to helping clients achieve their homeownership goals. Whether purchasing a first home or a fifth, our wide range of loan options allows us to meet the needs of nearly any situation.
Our goal is to serve as a trusted mortgage advisor, delivering highly personalized service and guiding clients through every step of the loan process. We strive to exceed expectations, ensure satisfaction, and earn lasting trust.