In a really unfortunate development, Mesa Homeowners Rewards credit card customers are receiving an email stating that their cards are being closed, effectively immediately. A message on the Mesa website indicates that all Mesa Homeowners Card accounts are closed. All credit cards have been deactivated as of 12/12/25. This is obviously terrible news and really frustrating for cardholders. At the time of writing, it is still possible to redeem points for a custom statement credit. That’s poor value, but getting poor value now might beat getting no value later if Mesa ultimately goes out of business.
A few days ago, reports started circulating about issues with Mesa card purchases being declined. At least one reader reported that customer service had said that they were experiencing “processing delays” and were working on the issue. Sadly, it seems that they didn’t get the issue solved.
The email going out to cardholders today has the subject line, “URGENT NOTICE: Closure of Your Mesa Homeowners Card Account”. It looks like this.
Unfortunately, the email doesn’t provide any context in terms of the reason for account closure, so many cardholders naturally wondered why their account was shut down or thought it must have been an error.
Unfortunately, the messaging on the website confirms that this is not an error but rather a complete shut down of Mesa card accounts.
We’ve reached out to Mesa for comment and will update if they respond. At this point, it isn’t clear whether this is an issue with the Mesa rewards program/platform or the issuing bank or both.
At the time of writing, points can still be redeemed as a custom statement credit (fixed amounts are no longer available). See the screen shot below — the fixed values are greyed out, but custom amounts are still available.
You’ll only get 0.6c per point that way, which is a terrible value. However, if Mesa folds, getting 0.6c now might be better than getting 0.0c later.
To be clear, I don’t know that this is permanent. Maybe Mesa will pick back up, and transfers will become available again. Reports did indicate that Mesa had raised a significant amount of capital just a few months ago. However, given the abrupt nature of all account closures here, my first impression is that this doesn’t bode well. If I had Mesa points, I’d take the 0.6c right now.
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DP – A poster on DoC has found a way to transfer points that is working at 11.55pm ET
Interesting… no email received as of 11:45pm 12/12/25
I guess Mesa wanted to make it in just under the wire for 2025’s Bonvoy’d awards
A good, old-fashioned BANK RUN, just like back during the Great Depression.
America made great again.
I don’t see the cash out option either. On the iPhone as well.
Glad I transferred my 100k points in anticipation of something happening.to this $hit show card
Hey Nick, I managed to get my points out to Aeroplan after getting the email.
On my phone, I have apps set to not auto-update. I started the forced update, which began downloading in the Play Store. Then i was able to get right back into the prior app version, which still had the points transfer available. I had never transferred out of Mesa before, but in about 60 seconds, I established the Aeroplan connection and transferred everything I could, which immediately posted to Aeroplan.
If anyone sees this and is in the same boat – please time this right and you could get your points out.
A real shame – with daycare spend + 50k sub, I was going to get ~125k annual points which equals 2 adults + 1 kiddo on SAS J.
Wow that’s quite a disaster for a lot of people. I thought the card was sort of wonky (but no more so than like the FNBO Amtrak card) – I didn’t know they’d fold overnight!
custom cashout still working on iphone at 10pm ET
what a shti show
take screenshots
the options were no longer there at 11pm ET
I still had the option of transferring points to partners in the app even after the shutdown, despite others seeing statement credit only. I was able to complete the transfer, and the miles showed up instantly.
I think there might be some scary things happening in the credit markets these days, and a lot of banks might be facing some liquidity issues. Hopefully this isn’t the start of something worse.
Never got the card but this is wild. Crazy as well considering they just added a new transfer partner. Something must have gone terribly wrong
Doesn’t seem like everyone gets the option to cash out. I don’t see it on my end.
I think maybe you need to have a balance to cash out against. So if you were at a $0 balance, it may not be possible.
Replying back on this comment since I figured it out. It works on my wifes iPhone but not my android. Not sure if everyone else experiencing this issue is using an android phone.
Unfortunate. But thats what I did. In case they were to close down that option too. I also took screenshots of my account as well in case for future reference. Really wish I had transferred my points sooner. I thought with the recent announcement of omni hotels as a transfers partner a week ago things were still moving along, but apparently not.
This is such a disappointment on several levels but I appreciate how quickly Nick posted this as it’s going across several groups like wildfire.