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 |
|---|
 ⓘ $500 1st Yr Value EstimateClick to learn about first year value estimates 50K 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 50,000 point sign on bonus when new cardmembers spend $12K in the first 3 months. Must use promo code SEPT50. (Offer Expires 9/30/2025)No Annual Fee 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 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. 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.
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Do they provide points on your full mortgage payment or do they exclude escrow for taxes/insurance?
Nope, the full payment.
Tricky timing since Bilt is releasing more info on mortgage stuff in “fall” timeframe. Was considering one or the other. Tough decision
Why not both? You don’t have to pay your mortgage with the Mesa card, so I don’t think there’s any reason that you wouldn’t be able to double dip.
I see this is a ‘friend referral’. Are you guys taking referral codes in the Facebook group?
It’s actually an affiliate link for FM. We’ll fix that.
Could you stack this with the promo that was going on for referrals a few weeks ago? I think it was something like refer two people and get 50k if you spend $12k. So I could sign up with the promo, then refer two people and end up with 100k?
If you were targeted for it, I don’t see why not. That said, I’m not sure if they’re targeting people who sign up with the promo code. Hopefully, we’ll see some date soon.
I am curious where you saw this – did they contact you directly? I don’t see it anywhere on the website. Me and player 2 have been getting a very confusing denial due to “Unable to Verify Identity”.
Got the same message… my info is straightforward (easy name, address, etc.), so either this message is inaccurate or there’s something wrong with their system.
Anyone have a recon phone number? I tried the standard Mesa number and no one picked up.
I had the offer by email.
Yes, they contacted us directly with the promo code.
Any chance they match if approved about 3 weeks ago?
Try it!
was waiting for a sub, P2 just applied and approved instantly
Has anyone had issues getting approved? I submitted an application, they gave me a weird email where in the title it says you need to give so.e info, but the body then says you dont need to give info.
The support people weren’t useful to answer then either. So not sure what to do other than say I guess its not meant to be?
Yes, I applied and received the same email. Some have speculated that high mortgage amounts are receiving this email, but it could be another unknown reason as well. When I have attempted to contact customer support, they provide no useful information,
Same thing happened to me when I applied on a Friday, and I was auto-approved on Monday. I have no idea why their identity-verification is so bad…nor why they haven’t been able to fix it.
48 hours after being approved they release this offer… because of course.
Contact them and ask if you can match. No idea if they’ll let you, but it’s worth a shot.