I recently got the ​Mesa Homeowners Card​ to start earning points on our mortgage. However, the perks and 3x bonus earning categories are so amazing (especially for no annual fee card) that the card could even make sense for some without a mortgage. 

Chase Sapphire Reserve

Mesa Homeowners Card

Earn 5,000 points on signup, 1x points on mortgage payments (up to 100,000 points each year) and 3x points on home & family expenses.

Learn More to Apply

Welcome Bonus: This feels like a throwback to the original launch in 2016, where a 100,000 point welcome bonus was offered, except this time, you'll also get a $500 Chase Travelâ„  promo credit after spending $5,000 in 3 months. This is an excellent welcome bonus!

Annual Fee Jump: The annual fee increased by $245 from $550 to $795. However, the new perks and credits (see below) will easily be worth >$300 to me, so I'm actually quite delighted by the changes.

Eligibility: You are eligible for this card even if you already have a Chase Sapphire Preferred card, which wasn't previously the case.

New Earning Structure

  • 8x points on Chase Travelâ„ 
  • 4x points on flights and hotels booked direct
  • 3x points on dining
  • 1x points on all other purchases
  • 5x points on Lyft (through 9/30/27)

Previously this card earned 3x points on all travel, but if most of your travel spend is on flights and hotels, this is a big improvment. However if you spend a lot on Airbnb, Vrbo or Cruises, this might be a downgrade.

Authorized User Fee: The authorized user fee is now $195, but they’ll still get lounge access.

Annual Perks and Credits: Chase is going all-in on the perks and credits to make up for the higher fee.

  • $300 Travel Credit (as a statement credit for travel purchases)
  • $500 “The Edit” credit ($250/6mo) for 2+ night stays at Chase's luxury hotel portfolio 
  • $300 Dining Credit ($150/6mo) for restaurants from Sapphire Reserve Exclusive Tables
  • $300 StubHub Credit ($150/6mo)
  • $120 Peloton Credit ($10/mo)
  • $120 Lyft Credit ($10/mo)
  • $120 Global Entry/TSA PreCheck Credit (ever 4 years)
  • Doordash: $5/mo restaurants and 2x $10/mo for other deliveries
  • Free Apple Music and Apple TV+
  • Free IHG Platinum status
  • Free Priority Pass Select membership with access to Chase Sapphire Lounges

Bonus perks if you spend ≥$75K/year

  • IHG Diamond status (includes free breakfast)
  • Southwest A-List
  • $500 Southwest credit
  • $250 The Shops at Chase credit

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