| Sorry, this deal is no longer available. Do you want to be alerted about new deals as they’re published? Click here to subscribe to Frequent Miler's Instant Posts by email. |
|---|
Mesa is a mortgage marketplace platform that offers a credit card that earns up to 100,000 points per year for mortgage payments.
Mesa doesn’t require cardholders to use its platform to pay their mortgage in order to earn points. You simply need to let them know what your payment is when you apply (they will eventually require proof of your payment amount) and then spend $1,000 each month on the card. The rewards from your mortgage payment will then be credited to your account after your statement closes each month that you meet the spending requirement.
Outside of a short period earlier this year, Mesa has not provided a welcome offer for new applicants. However, until the end of September, new Mesa Homeowner cardholders will receive 50,000 points if they are approved for the card and then spend $12,000 within the first three months. You must use the promo code SEPT50 when applying to be eligible for the bonus.
Key Card Details
For more card information and to find an application link, see our dedicated card page by clicking the name of the cards below.
| Card Offer and Details |
|---|
 ⓘ $50 1st Yr Value EstimateClick to learn about first year value estimates 5K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 5,000 points on approval. Use promo code MILER5K in application.No Annual Fee Recent better offer: Earn 50K points after spending $5K in eligible purchases within the first 90 days after using the code Bonus50 during application. (Expired 5/29/25) FM Mini Review: Interesting card for the ability to earn transferable points with mortgage payments, especially if you can use one or more of the spending perks. Earning rate: 3x on home decor, home improvement, general contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities and daycare ✦ 2x on groceries, gas, and EV charging ✦ 1x on mortgage payments when spending $1k/month on card (100K points/year max) ✦ 1x everywhere else Card Info: Visa Signature issued by Other. This card has no foreign currency conversion fees. Noteworthy perks: $120 yearly statement credit for Wag! and Farmers Dog purchases ✦ $200 yearly statement credit for Thumbtack purchases ✦ $120 yearly statement credit for Lowes purchases ($30 per quarter) ✦ $65 yearly statement credit when you purchase or renew Costco membership on the card ✦ one free year of Instacart+ |
Quick Thoughts
I have a Mesa card and love it; for me, it’s almost a no-brainer. There’s no annual fee, I get an easy $185 back per year with Costco and Lowes credits, and I’m effectively earning 6x by spending $1k per month in the card’s excellent 3x categories and then getting points for my mortgage.
The problem that many folks have with the card is the lack of a welcome offer. For a brief time earlier this year, there was a 50k sign-up bonus after $5K in spend, but it was short-lived. Now the 50k offer is back, but with a MUCH higher minimum spend requirement.
Although this initially seems like an attractive offer, it’s worth giving it some thought before jumping in. $12,000 is a lot of spending for many folks, and you could easily knock off a couple of good welcome offers with the same amount that would undoubtedly get you well over 50,000 points.
All cardholders would presumably be spending at least $3,000 in three months in order to unlock their mortgage rewards, so you’re really adding an additional $9,000 to get the 50K kicker. Some people might be able to do that in 3x categories, like daycare, utilities, and/or home improvement. If that’s you, it’s a very attractive offer, as you’ll get a total of ~86,000 points from that $9K, or ~10x.
However, if you’re going to be plunking down $9,000 in 1x categories, it’s worth considering whether or not it’s worth putting the spend on different cards in order to get even better returns.
Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Also stuck on the waitlist. Frequent Miler – can y’all reach out to Mesa and see why so many of us are waitlisted? I also know someone who has applied 3 times and gets declined every time b/c they say they can’t verify her identity and customer service has been no help.
Yeah it makes no sense to launch a promo SUB, then extend it, but don’t let people apply? I also got waitlisted last night when I tried to apply.
But then some people can apply without issue so are they tracking information on our phone from the app and putting us on the waitlist if they see something that might indicate we churn cards?
I’m going to bet that they had a very specific sign up target and a very specific marketing spend budget. They didn’t reach their sign up target before 9/30 so they extended the promo but then they don’t want the bad press they got from ending the May signup bonus early so they just put everyone in waitlist jail after they hit their metrics.
Feels really scummy tbh and has turned me off their card entirely. Bilt is super close to mortgages so I’ll just wait for them and do business with a more trustworthy company.
Bilt mortgage news (out yesterday) is predictably disappointing – you’ll only earn points if your mortgage is with one lender. They say they’ll add more lenders, but it’s totally different than the “pay your rent anywhere with Bilt” or Mesa approach.
Guess I waited too long and they have had too many applicants — I got stuck on the wait list; it wouldn’t even let me apply.
Anybody else experiencing this?
Yes
Yeah I’m in waitlist jail now too. I’ve wanted this card but between them ending the last 50k SUB offer very early and these goofy waitlist games and seeing a ton of horror stories about identity verification, I wonder if I wouldn’t just be better off going with the new Citi 100k offer instead – probably less of a pain.
Hey Tim, will this card be useful for one without mortgage payment? Thanks!
Love this card getting 9500 total points on the first $1k spend each month! Got the 50k bonus too!
I don’t escrow my mortgage. Pay the insurance and taxes on my own. I’m wondering whether I can input monthly cost of mortgage, taxes, insurance and claim the full amount monthly (as if I’m escrowing)? Do they ask for proof?
Or… you pay your property taxes separately for 3x and don’t worry about this.
DP: I just applied and got approved immediately. Not sure if there is something in individual credit reports that triggers approval or waitlisting, but seems kind of random from the comments.
How long has it taken folks to get off of the waitlist? I hadn’t read about it on other posts, so I went to apply tonight before the deadline, only to find after creating an account and installing the app that I’m only able to join a waitlist…
@Frequent Miler Team:
Based on these comments does it seem like Mesa put a hold on new applicants under the promo due to unanticipated demand? My wife and I both applied and both got put on “Application Under Review – Should take 1-2 business days”
It may only be anecdotal, but seems like Mesa is trying to put brakes on number of people taking advantage of the SUB. If so, do consumers have a recourse to object to unexplained delays? (I recognize I’m making a leap here, but recent comments seem to paint a picture)
How would 1-2 business days for a review be a sign that they’re holding new applicants? Hanlon’s razor is a good philosophy here.
And the bank is free to take or refuse any customers it wants as long as it is not discriminating against a protected class. Now if you got approved and they didn’t hold up their end of the bargain, it’d be a different story.
Applied on Monday, got the same message and was approved late last night (Thursday). So it took them 3 business days (perhaps 4 technically as it was Friday in some time zones) instead of the 1-2.
Since you enter the promo code at the time of application they would be bound to honor those terms even if approved after the promo expired. Regardless, since Mesa has now extended the promo to 10/15 it seems there’s nothing nefarious going on here.
That said, we tried applying with P2 first and got the identity decline, along with the same response others have reported when following up with CS: no way to fix, wait 30 days to reapply. And when I applied, the first message I received was that they needed more info to process, which was followed by a letter saying no additional information required, then the waiting period.
Overall, expect some bumps with Mesa. It doesn’t appear malicious, just not what we’re used to, and their CS isn’t great.
Rejected for ID verification and they said no way to update my application and I can’t apply for another 30 days, dumb. I’ll probably try to reapply Monday anyway.
Same. I’ve gone back to them twice to ask them why I have to reapply when they have my credit file and all I need to is prove my identity. Each time I get a canned response about re-applying in 30 days (when the bonus will no longer be available). And why would I reapply, take another HP, for the mere chance that they would somehow “recognize” me this time. What a joke.
Yeah, very annoying. I made a new Mesa account to try again on that email on Monday.
Curious if you tried this and did it work? I assume applying again is tied to your SS# so there’s no way to re-apply without them rejecting as a duplicate.
Just applied with a new email and it says they’ll need more details so guessing they may reject, but guess we’ll see.
Any update to this?
Still pending, seems like they have a big backlog of applications
Any update almost 2 weeks later?
Same thing, needed verification so denied, very annoying
Applied and in review status, how long it will take to get it approved?
I wanted to add that mortgage payments do not count towards this $12,000 in spend requirement. Only card spend counts. This is from their AI web support chat and was not clear to me from just reading the welcome offer terms.
I got “unable to verity identity” denial when applying. Anyone else gone through this? I reached out to their support team
Do i have to spent 12k withoiut mortage in 3 months?
Not necessarily. You could go through a 3rd-party service like Plastiq, use the card, and that spend should count.
However, it’s worth emphasizing that you’ll be on the hook for the ~3% fee that Plastiq charges you. There’s no way to pay your mortgage directly with Mesa, and the points that you receive are entirely based on spending $1k per month on the card. Mesa doesn’t track or facilitate your mortgage payment.
Pq only takes MC on mortgages and seems like Mesa is a Visa card.
I used code and applied for the card but where can I see 50,000 point details ? I did not see anywhere
There should be a spending tracker that shows it in the app.
Signed up with code, got card and only tracker I see in app is for the monthly $1k in spend required for getting credit for mortgage.
Does this card show up on your credit report and count toward 5/24 status? I believe there were some early reports that it did not.
It isn’t currently, which is somewhat common for new cards. Theoretically, if Mesa reaches some sort of member threshold, Celtic Bank will probably start requiring credit reporting, but it hasn’t happened yet (at least for me). The initial inquiry showed up, but not the account itself.
Thanks Tim!
not sure about that. Applied and approved last night. Discover alert this morning about new inquiry and account on experian