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 (they 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.
Gary over at View from the Wing wrote about this card back in December when it was on a waitlist, but it’s now open for applications, so we took a closer look at it. It’s an interesting card, even more so since the points that it earns can now be transferred to a limited set of travel partners.
In addition to earning rewards on mortgages and having interesting bonus spend categories, it also provides up to $700 in statement credits. For the right person, this could be a terrific, no-annual-fee proposition.
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) |
Mesa Homeowners Card Review
Obviously, the big feather in the Homeowner’s card’s fedora is the ability to earn points on mortgage payments without paying a fee, something that isn’t possible with any other product right now (unless you happen to have a mortgage provider that accepts CC payments and doesn’t charge a fee). But there are other interesting features as well, including 3x earning on daycare payments and home improvement spending, and hundreds of dollars of statement credits annually that include Lowes and warehouse club memberships…for no annual fee.
Mesa has been aggressively acquiring transfer partners. Now that it has Air Canada, Cathay Pacific, Finnair, and SAS, the portfolio is starting to look pretty good.
- Annual Fee: $0
- Authorized User Annual Fee: Free
- Foreign Transaction Fee: None
- What points are worth: Points are worth 1 cent each towards booking travel through Mesa’s portal, ~.75 cents each when buying a gift card, or 0.5 cents each when redeemed for statement credits. They can also be transferred to one of eight travel partners (supposedly, more will be added soon).
- Best Use for Points: Mesa points can be transferred to Aeromexico, Air Canada, Air Cathay Pacific, India, Finnair, Hainan Airways, SAS Eurobonus, Thai Airways, and Vietnam Airlines at a 1:1 ratio. The only hotel partner is Accor, which also carries a 3:2 ratio. Accor points are worth 2 Euro cents each, so the transfer ratio essentially means that Mesa points are worth ~1.5 cents each towards Accor Hotels.
- Earning Categories:
- 3x Home improvement, decor, maintenance, utilities, and daycare
- 2X Groceries, gas, and EV charging
- 1x Mortgage payments (provided that you spend $1K/month on the card)
- 1x Everywhere else
- Credits:
- $200 annual Thumbtack (home maintenance and cleaning – $25/job)
- $120 annual Wag! (pet care – $10/month)
- $120 annual The Farmer’s Dog at (pet food – $10/month)
- $120 annual Lowe’s Credit ($30/quarter)
- $100 Armadillo Home Warranty (1x only)
- $100 Cozy Earth gift card (1x only)
- $65 toward $65 Big Box Membership (warehouse clubs)
- Travel Protections:
- None that I could find.
- Purchase Protections:
- None that I could find.
- Who is this card for? Pretty much anyone with a mortgage. 3x earning on daycare would be another strong (and unique) carrot for many folks.
- Is the Mesa Homeowners Card a keeper? Once Bilt finally launches the ability to earn points on mortgage payments, this card could lose some luster (or gain it if a double dip is possible). In the meantime, this seems like a keeper, especially if you can take advantage of some of the statement credits (and provided those statement credits stick around).
Mesa Homeowners Card Pros and Cons
Pros
- A free way to earn points on mortgage payments
- 3x categories are interesting, especially daycare for those who use it
- Impressive list of credits for a no-annual-fee card
- Points can be redeemed for statement credits if you don’t want to hassle with transferring to the small array of partners (although at poor value)
- Transfer partners continue to get better and better, especially now that Air Canada and SAS are on board.
Cons
- The value of the points isn’t great outside of transferring to partners
- No travel or purchase protections
- No welcome offer
- Points are only worth 0.5 cents each when redeeming for statement credits
- Have to spend $1K per month on the card in non-mortgage payments in order to earn points on mortgage payments
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So they have a waitlist now, anyone know how to get around this to apply?
I am tempted but likely to pass and just churn. My mortgage is over the max so it seems like a good opportunity. But if I do this, then I would probably feel compelled to get the Bilt as well since I think they [will] stack. Using up a 5/24 is not appealing though P2 could get one of the two cads. If I had confidence that these people will stick around, it would help matters.
Applied for this card today. Application went pending stating they needed further information followed by an email that says quite the opposite. Confused:
Dear Applicant,
Thank you for your application for the Mesa Card, issued by Celtic Bank. The following information is needed to process your application:
No additional information is required at this time.
If you have any questions regarding this notice, please contact us at:
Mesa
1606 Headway Cir STE 9622
Austin, TX 78754
(866) 301-6372
This seems to happen when you apply over the weekend. You’ll most likely get an approval notice Monday or Tuesday.
I have the same message. I applied on 23rd (Monday), first the message said that I need to wait for 1-2 business days. On 28th (Saturday) message changed the same as above. Nothing since then. No hard pulls so far.
Do you know would paying for a private school count for the daycare umbrella?
CHECK YOUR MESA APP! They have an offer for current cardholders who did not participate in the BONUS50 signup offer to get 52,025 bonus points for $7k spend by the end of September. BUT IT’S LIMITED TO THE FIRST 500 who enroll! Allegedly it started 2 days ago, so I’m a little shocked I’m still one of the first 500. This works perfectly for me considering that my kid’s daycare is $544/week. With the daycare bonus, this bonus, and my mortgage bonus ($5500/month), I’m getting about 13x!
checked all over my app and dont see it.. got my card a few weeks ago just after the bonus50 was pulled early…
Not sure why, but it’s just not clicking for me. I have my mortgage ($1450/mo) thru Mr. Cooper, autopay thru my bank account. So, I don’t have to pay the mortgage with this card, just have to link it to the account that it’s autopaid from, and I collect points? Or, I need to link my account AND spend $1000? My brain just isn’t connecting the dots.
They just added two more transfer partners. They now allow transfer to Air Canada Aeroplan and SAS EuroBonus. I believe this is the first transferable currency to partner with SAS.
Cathay Pacific looks like 1:1 now!
Anyone had success contacting customer support? My card’s been flagged for a few days and I’ve been trying to get ahold of a representative, but no one has ever gotten back to me. Calling them always directs me to a voicemail. I’ve also tried emailing them, messaging them via chat and support on their website… nothing seems to work
Best way to contact customer support is to email support@mesamember.com It takes a few days but you’ll eventually get a reply
Pretty shocking and concerning that they pulled their 50k sub offer after one week. The screenshot that I have says very clearly that the promo is valid from 5/21/25 – 6/30/25. This really looks like a combination of incompetence, customer indifference, and financial struggles. I don’t think that anyone can have confidence in this company if they behave like this and treat potential customers so poorly. I know a number of people who have the card and have emailed Customer Service with issues but have not even heard back from them and it’s been over two weeks now. Something smells rotten in Denmark….
I was planning on signing up for the card, despite multiple poor customer service complaints, but pulling a promo like this makes me pause. I hope mesa realizes their mistake and makes this right, brings back the promo, and realizes that a new financial institution needs to follow their printed words and build up trust. Otherwise I think we are better off waiting for the Bilt mortgage card.
Also, they rejected many many people’s applications saying their information doesn’t match and they should apply again. I wonder if they did that to many people who applied with the bonus50 code so that wouldn’t have to give them a 50k sub.
They told me that they couldn’t identify me – even though they asked for my DL and passport. A little nervous that is now sitting in their databases. They also said i should reapply which i won’t do w/o a bonus….
Yup- same thing happened to many people- all of the ones I know were professionals with excellent FICO scores and income. Mesa couldn’t “identify them” despite receiving their DL and passport, and they were told to apply again. BUT… they have conveniently pulled the 50K SUB in the meantime. It really looks like they rejected a ton of people so they would not have to pay out the 50K SUB, and told them to apply again (Although also people were rejected before the 50K SUB was offered). This is a terrible new card roll-out and doesn’t give much faith in their sustainability. Its a pass for me – I’m not applying when they pulled their 5 week bonus window after just 1 week.
I am feeling pretty burned about this too. I saw the offer was through 6/30 so I was planning on applying this weekend. Oh well, time to wait for Bilt I guess.
Still seems a lot more competent than Bill..
What part of this seems more competent? We all have their screenshot that says the 50K promo offer is for all applications applied for and approved between 5/21/25 – 6/30/25.
According to Mesa, the SUB has already been pulled. I can’t check since I already have the card, but if anyone has been on the fence, you might want to pull the trigger if you can still get the offer.
Thanks Greg. I’ve reached out to Mesa for confirmation and marked the bonus as dead in the meantime.
I got this email message from their support team.
“This was a very limited time offer that is now closed.
Mesa will be offering a Summer Spend Bonus for current card members in June! We didn’t want to leave out our early members from earning bonus points. You will need to activate the bonus in the app in order to earn it. Be on the lookout for the announcement coming soon.”
[…] (Note: Mesa doesn’t publish detailed redemption info; these estimates are based on Frequent Miler.) […]
[…] (Note: Mesa doesn’t publish detailed redemption info; these estimates are based on Frequent Miler.) […]
[…] (Note: Mesa doesn’t publish detailed redemption info; these estimates are based on Frequent Miler.) […]
[…] (Note: Mesa doesn’t publish detailed redemption info; these estimates are based on Frequent Miler.) […]