Mesa is a brand new fintech targeted on “householders”, at present with a bank card and mortgage lending product. Their Mesa Householders Visa Card (issued by Celtic Financial institution) at present has a 50,000 factors bonus albeit with a fairly excessive spending requirement. The cardboard does have a singular set of perks that could possibly be priceless.
Bonus particulars:
- 50,000 bonus factors after $12,000 or extra on eligible purchases throughout the first 3 months (90 days) of Card Membership. Supply at present set to run out 10/15/25.
- To obtain this provide you have to apply and be permitted for the Mesa Householders Card between 9/19/2025 – 10/15/2025 Should use code SEPT50 or CHRIS50 at card utility to qualify for the provide.
- Should apply by way of iOS or Android app.
- Bonus factors will probably be credited to your account inside 8–12 weeks after the qualifying buy threshold is met.
- You aren’t eligible to obtain this welcome provide in case you at present have the Mesa Householders Card, or in case you are a earlier Mesa Householders Card holder.
Card particulars:
- 1X Mesa Level per $1 in your month-to-month mortgage cost, as much as 100,000 factors yearly, once you spend at the very least $1,000 throughout your assertion cycle on eligible purchases together with your Mesa Householders Card.
- 3X Mesa Factors on purchases categorized underneath Dwelling Decor, Dwelling Enchancment, Basic Contractors, Cable & Streaming Companies, Dwelling Insurance coverage, Property Taxes, Upkeep, Telecom, Utilities and daycare. 2X Mesa Factors on groceries, gasoline, EV charging. (Notice: Goal, Amazon, Walmart, Costco, Sam’s Membership do NOT depend as 2X.) 1X Mesa Factors per $1 spent on all different eligible purchases.
- It is a complicated assertion, and certainly the rewards system is a bit funky. You’ll be able to earn factors based mostly in your acknowledged month-to-month mortgage quantity, BUT you don’t really pay your mortgage with this bank card. Nonetheless, you have to cost $1,000 to the cardboard on different issues, with the intention to set off the mortgage-linked rewards.
- $65 Costco Annual Credit score – While you be a part of Costco or renew your present membership on the cardboard.
- $120 Lowe’s Annual Credit score – Most of $30 per quarter. Should hyperlink your myLowes Rewards account.
- $200 Thumbtack Annual Credit score – Rent trusted professionals for house tasks
- $100 Armadillo Dwelling Guarantee Credit score
- $120 Wag! Annual Credit score – On-demand pet care
- $120 The Farmer’s Canine Annual Credit score – Recent, wholesome meals in your pup
- No annual price.
Nice print on the credit right here.
What can Mesa factors be redeemed for? One more foreign money and level system to trace.
- 1.2 to 1.4 cents per factors by way of their Journey Portal.
- 0.8 cents per level once you money out in the direction of your mortgage, regardless that you don’t really pay your mortgage with it (it goes into your linked checking account).
- 0.8 cents per level in the direction of present playing cards.
- 0.6 cents per level as a bank card assertion credit score.
It’s also possible to switch to the next at a 1:1 ratio, aside from ALL which is simply at a 1.5:1 ratio.
Air Canada Aeroplan
Air India Maharaja Membership
Finnair Plus
Hainan Airways Fortune Wings Membership
SAS EuroBonus
Thai Airways Royal Orchid Plus
Vietnam Airways LotusMiles
Accor Reside Limitless (1.5 Mesa -> 1 ALL level)
Personally, I’d most likely both go along with the 0.8 cents worth digital mortgage offset, or switch to Air Canada factors.
Backside line. It is a new fintech and so there could also be some hiccups with purposes, identification verification, and them altering up their options and workarounds. Nonetheless, the potential first-year worth could be very excessive in case you can fulfill the excessive preliminary spending hurdle. That’s as much as 50,000 factors upfront + 100,000 factors per yr on mortgage, which is price at the very least $400 + $800 in money (technically in the direction of your mortgage).