The Lead Bank is a personal credit card from Lead Bank. The annual fee is $.. The ongoing APR is 16.74% to 28.74% variable (based on 7.00% Prime Rate). Approval typically requires a credit score of 720 or higher. Rewards: 3x points on essentials (gas, EV charging, groceries, utilities); 2x points on home-related spend (furniture, home improvement, home maintenance); 1x points on everything else. This product reports activity to your personal credit report. [SOFT PULL ONLY] | EXPERT REFERENCE (Jan 2026): $15,000 approval on the Made card. | EXPERT REFERENCE (Jan 2026): Earn points linked to your mortgage. | EXPERT REFERENCE (Jan 2026): Pre-approval available without a hard inquiry. | EXPERT REFERENCE (Jan 2026): 3X points on groceries, EV charging, gas & utilities (capped annually). | EXPERT REFERENCE (Jan 2026): 2X points on home improvement, maintenance & furniture (capped annually). | EXPERT REFERENCE (Jan 2026): 1X points on everything else. | EXPERT REFERENCE (Jan 2026): Mortgage points capped at the amount of your monthly mortgage. | EXPERT REFERENCE (Jan 2026): Full 1¢ per point value only if mortgage is with Fairway. | EXPERT REFERENCE (Jan 2026): $0 annual fee. | EXPERT REFERENCE (Jan 2026): Approved with a 720 FICO score for a $15,000 limit.