Mesa Homeowners Credit Card – Earn Up to 50,000 Points + Mortgage Rewards

Mesa, a fintech company specializing in solutions for homeowners, offers the Mesa Homeowners Visa Card through Celtic Bank. New cardholders can earn up to 50,000 bonus points after meeting the spending requirement.

Beyond the bonus, the card provides exclusive perks designed for homeowners, including mortgage-linked rewards and other benefits that make managing home expenses more rewarding. While the spending threshold is substantial, the rewards structure can be highly valuable for those looking to optimize home-related finances.

Bonus details:

• 50,000 bonus points after $12,000 or more on eligible purchases within the first 3 months (90 days) of Card Membership. Offer currently set to expire 10/15/25.
• To receive this offer you must apply and be approved for the Mesa Homeowners Card between 9/19/2025 – 10/15/2025 Must use code SEPT50 or CHRIS50 at card application to qualify for the offer.
• Must apply via iOS or Android app.
• Bonus points will be credited to your account within 8–12 weeks after the qualifying purchase threshold is met.
• You are not eligible to receive this welcome offer if you currently have the Mesa Homeowners Card, or if you are a previous Mesa Homeowners Card holder.

Card details:

• 1X Mesa Point per $1 on your monthly mortgage payment, up to 100,000 points annually, when you spend at least $1,000 during your statement cycle on eligible purchases with your Mesa Homeowners Card.
• 3X Mesa Points on purchases categorized under Home Decor, Home Improvement, General Contractors, Cable & Streaming Services, Home Insurance, Property Taxes, Maintenance, Telecom, Utilities and daycare. 2X Mesa Points on groceries, gas, EV charging. (Note: Target, Amazon, Walmart, Costco, Sam’s Club do NOT count as 2X.) 1X Mesa Points per $1 spent on all other eligible purchases.
• This is a confusing statement, and indeed the rewards system is a bit funky. You can earn points based on your stated monthly mortgage amount, BUT you don’t actually pay your mortgage with this credit card. However, you must charge $1,000 to the card on other things, in order to trigger the mortgage-linked rewards.
• $65 Costco Annual Credit – When you join Costco or renew your existing membership on the card.
• $120 Lowe’s Annual Credit – Maximum of $30 per quarter. Must link your myLowes Rewards account.
• $200 Thumbtack Annual Credit – Hire trusted pros for home projects
• $100 Armadillo Home Warranty Credit
• $120 Wag! Annual Credit – On-demand pet care
• $120 The Farmer’s Dog Annual Credit – Fresh, healthy meals for your pup
• No annual fee.

Fine print on the credits here.

What can Mesa points be redeemed for? Yet another currency and point system to track.

• 1.2 to 1.4 cents per points via their Travel Portal.
• 0.8 cents per point when you cash out towards your mortgage, even though you don’t actually pay your mortgage with it (it goes into your linked bank account).
• 0.8 cents per point towards gift cards.
• 0.6 cents per point as a credit card statement credit.

You can also transfer to the following at a 1:1 ratio, except for ALL which is only at a 1.5:1 ratio.

Air Canada Aeroplan
Air India Maharaja Club
Finnair Plus
Hainan Airlines Fortune Wings Club
SAS EuroBonus
Thai Airways Royal Orchid Plus
Vietnam Airlines LotusMiles
Accor Live Limitless (1.5 Mesa -> 1 ALL point)

Personally, I’d probably either go with the 0.8 cents value virtual mortgage offset, or transfer to Air Canada points.

Bottom line. This is a new fintech and so there may be some hiccups with applications, identity verification, and them changing up their features and workarounds. However, the potential first-year value is very high if you can satisfy the high initial spending hurdle. That’s up to 50,000 points upfront + 100,000 points per year on mortgage, which is worth at least $400 + $800 in cash (technically towards your mortgage).