Mesa Homeowners Card Offering 50K Signup Bonus
🔃 Update: 50K bonus was pulled early and Mesa is also rejecting many applications. Let me know if you applied for the card and if you were approved or not. (HT: Matt)
The Mesa Homeowners Card has an increased welcome bonus of 50,000 points. This is a huge increase from the previous bonus of 5,000 points which was available through referrals. The Mesa Homeowners Card lets you earn transferrable points, just for having a mortgage. Let’s go over the details of this card, and how you can earn this bonus.
Signup Bonus
- Earn 50,000 bonus Mesa points when you sign up for the Mesa Homeowners Card and spend $5,000 or more within the first 3 months. Use code Bonus50 when applying.
- Offer valid through June 30, 2025 (see terms here)
- No Annual Fee
- LEARN MORE
The offer was sent out by email to those on Mesa’s email list, but it works for everyone, as reported by View from the Wing.
About the Mesa Homeowners Card
The Mesa Homeowners Card is a no-annual-fee credit card designed specifically for homeowners, offering a unique opportunity to earn rewards on mortgage payments.
Cardholders earn 1 Mesa Point for every $1 in monthly mortgage payments, up to 100,000 points annually. To qualify, you must spend at least $1,000 on other purchases each month with the card. It’s important to note that you don’t need to pay your mortgage with the Mesa Homeowners Card . Instead, you just link your bank account through the Mesa app, and the platform tracks your payments to award points accordingly.
Cardholders also earn:
- 3X Mesa Points on home improvement, decor, maintenance, utilities and daycare purchases
- 2X Mesa Points on groceries (excludes Amazon, Target, Walmart, Wholesale Clubs), gas and EV charging
- 1X Mesa Point on all other purchases
The card also comes with some valuable credits:
- $120 annual Lowe’s Credit ($30 quarterly)
- $65 annual Big Box Membership Credit (Costco, Sam’s Club, and BJ’s)
- $200 annual Home Maintenance Credit with Thumbtack
- $120 Pet Care Credit with Wag!
-
$120 Credit with The Farmer’s Dog ($10 monthly)
- $100 Home Warranty Credit with Armadillo
- $100 Gift Card to Cozy Earth for Home Essentials & Bedding
Mesa Transfer Partners
Mesa points have a value of 1.3 cents through their travel portal, 0.8 cents when used for mortgage payments, or 0.6 cents per point as credit card statement credits. There are also the following travel partners:| Partner | Transfer Ratio |
|---|---|
| Accor ALL | 3 : 2 |
| Aeromexico Rewards | 1 : 1 |
| Air Canada Aeroplan | 1 : 1 |
| Air India | 1 : 1 |
| Cathay Pacific | 1 : 1 |
| Finnair | 1 : 1 |
| Hainan Airlines | 1 : 1 |
| Omni Hotels & Resorts | 30K : 100 Credits |
| SAS EuroBonus | 1 : 1 |
| Thai Airways | 1 : 1 |
| Vietnam Airlines | 1 : 1 |
Guru’s Wrap-up
Bilt has been promising points earning on mortgage payments, but has yet to deliver. Mesa is already doing it with the opportunity to earn up to 100,000 points per year.
You need to have a mortgage for this card to make sense, and if you were thinking about it, the 50,000 points signup bonus makes it an easier decision. Just keep in mind that you need to spend at least $1,000 on other purchases each month with the card in order to earn points on mortgage payments. However, you don’t need to pay through Mesa in order to earn points.
Let me know what you think about this card! Worth it?
HT: VFTW
