American homeowners manage some of the largest household expenses in the country - mortgage payments, home improvements, utilities, and maintenance - yet credit card rewards have largely ignored these categories in favor of luxury travel and dining perks that feel out of reach for most families. With 86 million owner-occupied homes and mortgage payments averaging $1,500 monthly, homeownership represents the single largest recurring financial commitment for most Americans, creating an untapped opportunity to deliver meaningful financial benefits where households actually spend.