What Is It?
The Mesa Homeowners Card is the first credit card tailored specifically for homeowners. Unlike typical cards, it rewards you for your mortgage payments and other home-related expenses, while offering generous lifestyle credits — all with zero annual fee.Reddit+14Mesa+14Bankrate+14One Mile at a Time+4Bankrate+4UpgradedPoints.com+4
How Rewards Work
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1?Mesa Point per $1 on your monthly mortgage payment (up to 100,000 points per year), provided you spend at least $1,000 on eligible purchases that statement cycle.Mesa+6NerdWallet+6Mesa+6
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3× points on home?related and family expenses: home improvement, utilities, property tax, general contractors, insurance, decor, daycare, streaming/cable, etc.829 Studios+10NerdWallet+10Bankrate+10
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2× points on groceries, gas, and EV charging. Note exclusion of big?box/grocery warehouses like Costco, Sam’s, and Walmart data.Bankrate+3NerdWallet+3One Mile at a Time+3
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1× points on all other purchases.Forbes+11NerdWallet+11Bankrate+11
You don’t actually pay your mortgage with the card — instead, you link your mortgage account via Mesa’s app. They confirm your mortgage through your bank account or documents, then credit points based on that amount.Mesa+10Bankrate+10One Mile at a Time+10
Extras & Statement Credits
Even with no annual fee, Mesa offers substantial annual statement credits:
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$120 toward a big-box membership (Costco, Sam’s Club, or BJ’s).
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$120+ in total pet?care credits (Wag!, The Farmer’s Dog).
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$120 in home maintenance credits via Thumbtack.
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$120 in home improvement credits at Lowe’s.
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$100 toward an Armadillo Home Warranty credit.
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$100 in Cozy Earth gift card credit.Reddit+2Mesa+2UpgradedPoints.com+2Mesa+4One Mile at a Time+4Mesa+4
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In total, the credits can add up to $700–800 annually.MesaFrequent Miler
Redeeming Mesa Points
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Redeem for statement credits, gift cards, or travel.
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Transfer Mesa Points to travel programs like Accor Live Limitless (1.5:1), Aeroplan, Finnair, SAS EuroBonus, Thai, Vietnam Airlines, and more—typically at a 1:1 ratio (Accor at 1.5:1).Mesa+7One Mile at a Time+7Bankrate+7
NerdWallet notes statement credit redemptions are often valued at ~0.6?¢/point, gift cards around ~0.8?¢/point, though travel partner redemption value can be more competitive if used wisely.One Mile at a Time
? Pros & Cons — Expert Takeaways
Pros:
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Unique ability to earn on your mortgage payment, a category previously unrewarded.
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Solid 3× points categories across a range of home and family needs.
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No annual fee, yet includes robust $700–800 in annual credits, which alone can offset other spending.829 Studios+9One Mile at a Time+9Bankrate+9Mesa+1Point Me To First Class+1
Cons:
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Must meet a $1,000 minimum monthly spend (excluding mortgage) to get mortgage points — otherwise you earn zero on that category.Reddit+2Reddit+2Mesa+2
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Rewards value can be lower vs. other cards (e.g. Alliant or Citi Double Cash) where redemption values or category bonus rates exceed Mesa’s.Bankrate
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Lack of public transparency early on about terms, fees, redemption rates. Though availability has improved by mid?2025, full clarity is still limited.ForbesBankrateBankrate
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Because Mesa and its issuer Celtic Bank are small, long?term sustainability is a question. Experts warn valuable benefits could change or disappear.UpgradedPoints.com+6Bankrate+6Bankrate+6
Is It Right for You?
This card may offer excellent value if you:
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Own a mortgage and can consistently spend ≥?$1,000/month outside of it.
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Regularly incur home repair, utilities, daycare, or contractor expenses.
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Can take full advantage of the annual statement credits it offers.
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Are comfortable with a fintech provider (Mesa/Celtic), rather than a large bank.Reddit+8Bankrate+8Mesa+8
