Homeownership is the largest expense most families will ever take on, yet it’s one of the few areas where financial innovation has lagged. Made Card is changing that.  

It aims to do for homeownership what Amex did for travel and what Ramp did for business spend: turn a major cost center into a financial advantage. While the first product is a rewards credit card, the larger vision is clear: to build a smarter, more unified financial experience around the home. 

The pain point 

Homeownership costs keep climbing. The average annual cost of owning and maintaining a typical single-family home in the U.S. now exceeds $21,000, and mortgage payments alone consume up to 38% of the median household income for a median-priced home. 

Add in increasing maintenance costs and the stress involved with managing it all; many homeowners simply feel overwhelmed. There is no product that brings these moving parts together in a unified, consumer-first way. 

 Enter Made Card. It’s a simple idea: homeowners deserve rewards that reflect their real-world spending, not legacy card categories built for travel and dining. 

 Made Card rewards homeowners where it counts: 

• 3X points on gas, groceries, utilities, and streaming services 
• 2X points on home improvement, maintenance, and furniture 
• 1X points on all other spend 
• 1X points on mortgage payments, up to total monthly card spend, finally letting homeowners earn on their largest recurring expense 

Because it’s built for the home, Made Card also unlocks new forms of savings. Through partnerships with national mortgage companies like Fairway Home Mortgage, cardholders can apply points toward mortgage closing costs, which is a meaningful, cash-flow-friendly benefit that directly reduces one of the biggest expenses in homeownership and refinancing. 

That’s just the start. Over time, the platform will help homeowners manage the full lifecycle of their property, from maintenance to upgrades, warranties, and major improvements. 

Why we invested 

We invested in Made Card because it solves a real consumer pain point while creating value across the broader homeowner ecosystem. 

For homeowners, it starts with earning rewards on costs that have traditionally offered none, as well as new ways to turn those rewards into future savings. For mortgage originators, servicers, brokers, and fintech partners, it’s a way to improve stickiness, deepen customer relationships, and stand out in a crowded market.  

That dual-sided model is powerful. It delivers value to both consumers and industry partners, creating a flywheel that can scale quickly.  

We also see clear parallels to Ramp’s wedge strategy. Just as Ramp proved product-market fit with a corporate card before expanding into a full financial operations suite, Made Card’s homeowner card is a strong wedge with both product viability and business model fit. It lays the foundation for a much larger financial platform centered around the home. 

Another reason is the team’s ability to execute far beyond what you’d expect at the seed stage. Ashin, Christophe, and Alex have already secured a national partnership with Fairway Home Mortgage, one of the largest retail lenders in the country. That kind of early traction speaks to their credibility, experience, and deep relationships within the mortgage ecosystem. 

Why now 

The timing couldn’t be better. Mortgage rates remain high, homeownership costs keep rising, and household budgets are tighter than ever. Consumers expect financial products that give something back, and they’re willing to shift their loyalty to those that do. 

This is not about another rewards program. It’s about turning homeownership into an asset that pays back, not one that costs more every year. We’re proud to co-lead Made Card’s seed round with Village Global and to support Ashin, Christophe, and Alex as they reimagine what a rewards card can be for the majority of American families. 

With a clear vision and the ability to execute, the Made Card team is building something much bigger than a credit card. They’re reshaping how people manage and get value from their homes. We’re thrilled to be part of their journey.