Mesa Homeowners Card Review: Finally, A Credit Card That Rewards Your Mortgage

If you're a homeowner with a mortgage, the new Mesa Homeowners Card might be one of the most rewarding no-annual-fee cards on the market. You can earn points just for paying your mortgage (without even using the card), and the 3x categories cover overlooked expenses like property tax, daycare, and contractors. Add $800+ in statement credits, and it's a sleeper hit worth considering if you're a homeowner.

What is the Mesa Homeowners Card?

Mesa is a fintech startup that launched the Mesa Homeowners Card. It's a Visa Signature Preferred credit card issued by Celtic Bank, and it's specifically designed for homeowners. Unlike traditional rewards cards that prioritize travel or dining, Mesa goes all-in on one target audience: people who own homes and pay mortgages.

Why it Matters

For most households, the mortgage is the single largest monthly expense, and until now, it has earned zero rewards.

Mesa changes that. Once you link your mortgage through the Mesa app (which verifies it via your bank account), you'll earn 1 point per dollar on your mortgage payment without having to put it on the card. That's a first in the credit card space.

The only catch? You need to spend at least $1,000 on other purchases with the card each month to unlock those mortgage points.

Rewards Breakdown

Redemption Value and Options

Mesa Points aren’t cash-back in disguise. Here's the approximate value:

• Statement credit: ~0.6¢/pt
• Gift cards: ~0.8¢/pt
• Travel portal: 1¢/pt
• Airline transfers (Aeroplan, SAS, etc.): 1.2-2¢+/pt
   

If you redeem strictly for cash via statement credit or gift cards, Mesa is average. But if you book travel or use transfer partners, you can get some serious value.

Mesa points can be transferred to several travel loyalty programs. Most transfers occur at a 1:1 ratio, with the exception of Accor Live Limitless, which transfers at a 1.5:1 rate. Current transfer partners include:

• Accor Live Limitless
• Air Canada Aeroplan
• Air India Flying Returns
• Finnair Plus
• Hainan Airlines Fortune Wings Club
• SAS EuroBonus
• Thai Airways Royal Orchid Plus
• Vietnam Airlines LotusMiles

Key Benefits (Over $800/year Value)

Mesa stacks a surprising amount of value into a no-fee card:

• $200/year: Thumbtack credits for home services, in up to $25 increments (up to 8x per year).
• $120/year: Lowe’s credits, up to  $30 per quarter; requires linking MyLowe’s account.
• $120/year: The Farmer’s Dog, up to $10 monthly credits for fresh dog food.
• $120/year: Wag!, up to  $10 monthly credits for pet services (walks, sitting, etc.).
• $100 (one-time): Cozy Earth gift card or credit for luxury bedding.
• $100 (one-time): Armadillo home warranty — credit applied toward first claim.
• $65/year: Credit for big-box store membership; e.g. Costco or Sam’s Club.
   

Note: Some benefits require activation via the Mesa app and are issued monthly or quarterly. Enrollment in partner services may be necessary to unlock credits.

Who Should Consider It

• Homeowners with a mortgage and $1,000+ in monthly spend
• Anyone with regular home expenses like contractors, property tax, or daycare
• Pet owners who use Wag! or Farmer’s Dog
• DIYers or people who shop at Lowe’s
• Travel enthusiasts who want to transfer to Aeroplan, SAS, etc.

Who Should Skip It

• Renters
• Those who prefer straight 2% cashback and simple redemptions
• Anyone unwilling to link their bank account for mortgage verification

Final Thoughts: Should You Get It?

If you’re a homeowner with a mortgage and regularly spend $1,000/month, the Mesa Homeowners Card is a no-brainer to try. Worst case, it costs nothing to keep. Best case, it becomes your go-to card for everyday home-related bills and helps you stack up points for future travel or redemptions.
 

This is one of the few cards purpose-built for homeowners. Whether you're paying for property taxes, contractors, or pet care, Mesa rewards expenses that most other cards ignore.
 

Pro tip: Find a referral link to earn 5,000 bonus points.

The information related to the Mesa Homeowners Card has been collected by AskSebby.com and has not been reviewed or provided by the issuer or provider of this product or service.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.