Update: Mesa contacted me this morning to let me know that I had received incorrect information from support and that it’s, in fact, not permissible for two cardholders to earn points from the same mortgage. They provided this link from a support FAQ page. Guess it was too good to be true?
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Mesa is a tech platform that offers a mortgage marketplace and a credit card that earns up to 100,000 points per year for mortgage payments. Bilt Rewards has been foreshadowing the ability to earn rewards on mortgage payments for some time, but Mesa actually beat them there.
Mesa doesn’t even 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, 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.
A common question that we’ve been asked about the Mesa card is, “Can both my partner and I earn points for the same mortgage?”
I reached out to Mesa to ask, and received a surprising answer: “Absolutely.”
The News
Mesa has confirmed that two separate cardholders can earn points from the same mortgage, provided that they each spend $1,000 per month on their Mesa cards.
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 ⓘ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 Earn 5,000 points after approval (referral offer)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 ✦ 1x everywhere else Card Info: Visa Signature issued by Celtic. 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) |
Quick Thoughts
This is terrific, and to me quite surprising, news. Several people had asked if their Player 2 could earn points for the same mortgage that they were already earning points for. My assumption was that it was officially prohibited, but it might be possible, provided that Mesa doesn’t put two and two together. Turns out, Mesa knows and doesn’t care.
I’ve had the Mesa card for a couple of months now and like it quite a bit. The app is slick, the various credits the card provides are applied almost instantly, and tracking both your monthly $1K minimum and when your credits renew is clear and easy.
Now that I know my wife can get a card and allow us to earn 2x household points on our mortgage, we may have a second, household Mesa card in short order.
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I too like the ease of their app. This wk they offered 500 points for completing a quick survey, always nice! I did my first test transfer to ALL today & it posted immediately, also refreshing.
I give it 1 year before they cut this out. Call me jaded but these companies are all the same and will keep cutting back perks unfortunately nothing stays good anymore. Been played too many times lol
Not even a year, looks like the info was too good to be true to begin with!
Does the $1K monthly minimum spend include the mortgage payment?
It has nothing to do with the mortgage payment because you don’t actually pay your mortgage with the card
Is there a typical grace period with the Mesa credit card? Some mortgage-related products are structured as a small home equity loan so interest is charged right away.
So I guess there’s no reason why 2 card members can’t earn points from having 2 mortgages? Score.
Applied a few days ago application still says pending guess they are overwhelmed
Can you have more than one mortgage on the account?
No, it’s specifically in their T&Cs
Good to know! A heads up: when you click on the “learn more” and the card, itself, it takes you back to this article.
Have you guys heard if they will accept payments made from Plastiq?
This is my issue as well. I’ve heard you need to connect the bank where you make the payment from and for me that’s Plastiq. I don’t think I would move ahead with this card if I had to give up paying with Plastiq.