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. Note: the Mesa application page is only available in the US, so if you're traveling, you'll need to use a VPN to access it.

Chase Sapphire Reserve

Mesa Homeowners Card

Earn 50,000 points on signup, 1x points on mortgage payments (up to 100,000 points each year) and 3x points on home & family expenses.

Sign Up Now

Welcome Offer: Through 9/30 there's a 50,000 point welcome bonus (after spending $12k in 3mo), when using this link and the code CHRIS50.

Annual Fee: $0

Points Earning:

  • 1x on monthly mortgage payments, when you spend at least $1,000/mo on the card.
    • Note: you don't actually pay your mortgage with this card, you just need to provide some evidence of having a mortgage (e.g. mortgage statement, account linking, credit report, etc.
  • 3x on home & family expenses, including 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 all other purchases.

Annual Recurring Benefits

  • $65/year for a "Big Box" membership (e.g. Costco, Sam's Club)
  • $200/year for Thumbtack
  • $120/year for Wag!
  • $120/year for The Farmers Dog
  • $30/quarter for Lowe's

One-Time Benefits

  • $100 Home Improvement Credit
  • $100 Cozy Earth Gift Card
  • $100 Armadillo Home Warranty Credit

Points Transfer Partners (all 1:1, except as noted)

  • Air Canada
  • SAS Eurobonus
  • Air India
  • Finnair
  • Hainan Airlines
  • Thai Airways
  • Vietnam Airlines
  • Accor Live (3:2)

My Take

I'm a huge fan of the Mesa Card for a few reasons.

  1. As a homeowner, I've never had a way to earn points on our mortgage, so I'm very excited to start doing that!
  2. I don't currently have any cards with elevated earnings on home improvement, property taxes, home insurance or daycare, so I'm very excited to have a way to maximize those categories.
  3. The transfer partner list isn't huge, but with Air Canada Aeroplan, Finnair Avios and SAS Eurobonus, I'm certain I'll be able to get good value from my Mesa Points.

If you want to signup and get a free 50,000 points when you do, my use this link and make sure to enter the code CHRIS50 during signup.

Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.