Mesa Homeowner Card: Earn 60K points when you refer two people and spend $10K

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.

Mesa’s usual referral program gives both the referrer and referee a 5,000-point bonus after the referee is approved for the card. However, for a limited time, it’s running an additional promotion for cardholders. After you refer two people to the Homeowner card, you’ll have the opportunity to receive an additional 50,000 points after spending $10,000 on the card within 90 days.

The Deal

• Earn 60,000 Mesa Points by referring two people to the Mesa Homeowner Card and then spending $10,000 on your card within 90 days.
  • Must activate the spending offer in the app after reaching two successful referrals.
• There’s no expiration date listed on the offer.

Terms and Conditions

• Cardmembers earn 5,000 Mesa Points for each successful referral, up to 10,000 Mesa Points for two (2) successful referrals.
• After two (2) successful referrals, cardmembers may unlock the Spend Bonus offer: 50,000 Mesa Points for spending $10,000 or more in eligible net purchases within 90 days of activating the offer. The total bonus you can earn is 60,000 Mesa Points (10,000 from referrals + 50,000 from spend bonus).
• Eligible purchases include net purchases made with your Mesa card, less any returns, credits, or adjustments.
• The following do not count toward the spend requirement: balance transfers, cash advances, ATM withdrawals, fees, online or in-person betting or the purchase of chips used for gambling, money orders, traveler’s checks, person-to-person transfers, cash equivalents, fees, or interest charges.
• Mesa reserves the right to modify or cancel the offer at any time in cases of fraud, abuse, or circumstances beyond Mesa’s control. Changes will not affect cardmembers who have already activated and are within their 90-day spend period.

How to Participate

1. Refer two (2) new customers who are approved for a Mesa Homeowners Card and complete their first purchase.

2. Once both referrals are complete, the Spend Bonus offer will unlock in your Mesa app.

3. You must manually activate the Spend Bonus within the Mesa app to begin your 90-day spend period. The spend period does not begin automatically, and activation confirmation will be displayed in the app.Track your progress in the app’s Spend Tracker.

4. Spend must be completed within 90 days of activation.

5. Bonus Fulfillment: If requirements are met, 50,000 Mesa Points will be awarded at the close of the billing cycle in which the spend requirement is achieved. Standard referral bonuses (5,000 points per referral) are awarded after each referred account is approved and completes its first purchase.

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

Mesa Homeowner Card ⓘ $50 1st Yr Value EstimateClick to learn about first year value estimates 5K Points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer within the first 3 months from account opening No Annual Fee Learn more Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. 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 Base: 1X (1%) Grocery: 2X (2%) Gas: 2X (2%) 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

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. Since then, the only offer is the 5K bump you get by applying through a referral link.

Although Mesa is calling this a “sign-up” offer, it’s really for referrals. If you apply for the card through a referral link and are approved, you’ll only get 5,000 points. However, if you then refer two additional people (and they are approved), you’ll get 5,000 points for each one and also have the opportunity to earn an additional 50,000 points by spending $10,000 on your card within 90 days. The offer is available to both new and current cardholders.

The bonus portion has to be activated in order to get the 50K points, which is both a plus and a minus. The good part is that your 90-day clock doesn’t begin until you activate the offer, so you can wait until the timing is optimal for you. The bad part is that you have to remember to do it.

It’s also worth noting that, if Mesa decides to end the promo, those who have activated the offer will still be able to finish it. Based on the terms, it seems like folks who qualified for the offer but haven’t activated could be left to pound sand.

Although this initially seems like an attractive offer, it’s worth giving it some thought before jumping in. $10,000 is a lot of spend 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 $7,000 to get the 50K kicker. Some people might be doing that already 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 ~70,000 points off of that $7K, or around 10x.

However, if you’re going to be putting $7,000 in 1x categories, it’s worth considering whether or not it’s worth putting the spend on a new card or two in order to get even better returns.

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