Can you earn rewards on your mortgage?

Yes, you can earn rewards on your mortgage payment, without paying any fees, by using the Mesa card. With it, you’ll earn 1x points on your mortgage payment, with a limit of up to 100,000 points per year.

Are there fees when your pay your mortgage with Mesa?

There are no fees to pay your mortgage with the Mesa card, as you don’t use the card to make mortgage payments. Rather, the card rewards you for mortgage payments made with your bank account, as long as you spend at least $1,000 each month on nonmortgage purchases.

Does the Mesa Points program have transfer partners?

Yes, the Mesa Points program currently offers a collection of 10 airline and hotel transfer partners, including ALL – Accor Live Limitless, Air Canada Aeroplan, and Finnair Plus.

Are there limits to how many Mesa Points you can earn on your mortgage payments?

Yes, you are capped at earning up to 100,000 points per year on mortgage rewards. You also must make at least $1,000 in purchases on the card outside of your mortgage payment each month to be eligible for rewards for your mortgage payment.

Home›
Credit Cards

Mesa Points Transfer Partners and How To Use Them [2025]

Updated: August 9, 2025, 8:00am CDT

Edited by:

Jump to Section

Table of Contents

Mesa Points Airline and Hotel Transfer Partners
How To Earn Mesa Points
Best Ways To Redeem Your Mesa Point Rewards
Final Thoughts

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Mesa has made waves in the world of credit card rewards by offering the first credit card that allows you to earn rewards on mortgage payments. Transferring points to travel partners is one of the best ways to get maximum value from your rewards, and Mesa Points can be transferred to a suite of airline and hotel transfer partners, including some unique programs.

This guide will teach you everything you need to know about the Mesa transfer partners, including your partner options and how to earn more points.

Mesa Points Airline and Hotel Transfer Partners

Mesa offers 10 airline and hotel transfer partners. Nearly all partners transfer at a 1:1 rate, except the ALL program.

There aren’t nearly as many transfer partners as competing programs like Amex Membership Rewards, Bilt Rewards, Capital One Miles, Chase Ultimate Rewards, and Citi ThankYou Rewards, but none of those programs currently allow you to earn rewards on your mortgage payments.

SCROLL FOR MORE

Mesa Points Transfer Partner	Minimum Point Transfer	Transfer Ratio	Transfer Time
ALL – Accor Live Limitless	1,000	3:2	Almost Instant
Aeromexico Rewards	1,000	1:1	Almost Instant
Air Canada Aeroplan	1,000	1:1	Almost Instant
Air India Maharaja Club	1,000	1:1	Almost Instant
Cathay Pacific Cathay	1,000	1:1	Almost Instant
Finnair Plus	1,000	1:1	Almost Instant
Hainan Airlines Fortune Wings Club	1,000	1:1	Almost Instant
Scandanavian Airlines EuroBonus	1,000	1:1	Almost Instant
Thai Airways Royal Orchid Plus	1,000	1:1	Almost Instant
Vietnam Airlines Lotusmiles	1,000	1:1	Almost Instant

With this list of partners, you’ve got a nice combination of more widely available and useful partners, like the Air Canada Aeroplan program, as well as some rarer partners that are not offered as transfer partners of many programs, like Hainan Airlines, Thai Airways, and Vietnam Airlines.

How To Earn Mesa Points

There is only 1 way to earn Mesa Points, and that is by using the Mesa Homeowners Card.

Mesa Homeowners Card

U.P. Rating

Mesa Homeowners Card

Annual Fee

Why We Like This Card

The Mesa card is the perfect option for anyone who wants to earn rewards on their monthly mortgage payment with no fees.

Pros & Cons

Pros

3x points on home improvement, decor, maintenance, utilities, and daycare
2x points on groceries, gas, and EV charging
1x points on mortgage payments with no fees

Cons

You’re required to spend $1,000 on the card each month on purchases outside of your mortgage in order to earn rewards on your mortgage payment

Read Full Review

Card Highlights

3x points on home & family expenses—home improvement, decor, maintenance, utilities, and daycare
2x points on everyday purchases—groceries, gas, EV charging, & more
1x points 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
1x points on all other eligible purchases
$200 annual Thumbtack credit
$120 annual Lowe’s credit
$120 annual Wag! credit
$120 annual The Farmer’s Dog credit
$100 Armadillo Home Warranty credit
$100 Cozy Earth credit
$0 annual fee
No foreign transaction fees
Access to travel transfer partners

Financial Snapshot

Foreign Transaction Fees:

With the Mesa card, you’ll earn 3x points on home improvement, decor, maintenance, utilities, and daycare purchases, 2x points on groceries, gas, and EV charging, and 1x points on mortgage payments with no fees. There’s a limit of up to 100,000 points per year for mortgage payment rewards, and you must spend at least $1,000 on the card each month on purchases outside of your mortgage to earn rewards on your mortgage payment.

In addition to the rewards you’ll earn, the Mesa card offers quite a few other great benefits for homeowners, including:

$0 annual fee and no foreign transaction fee
$200 annual Thumbtack credit
$120 annual Lowe’s credit
$120 annual Wag! credit
$120 annual The Farmer’s Dog credit
$100 Armadillo Home Warranty credit
$100 Cozy Earth credit

With $0 annual fee, rewards on mortgage payments, and 3x and 2x bonus categories, you can rack up a large stash of Mesa Points in no time.

Hot Tip:

You can also earn points by using the Mesa Mortgage Marketplace to compare loan offers for your mortgage, and if you close a loan through Mesa, you’ll earn 1 Mesa Point for every $1 of your total loan amount. In other words, a $300,000 loan would earn you 300,000 Mesa Points.

Best Ways To Redeem Your Mesa Point Rewards

By far, the best way to redeem your Mesa Points is by taking advantage of the program’s transfer partners. Many of these partners allow you to redeem your points for luxurious travel experiences for a fraction of the cash price you would have paid otherwise.

Cathay Pacific in First Class — Enjoy a first class trip in Cathay Pacific by paying your mortgage with the Mesa card. Image Credit: Alex Miller

For instance, you could transfer your points to Cathay Pacific and book a one-way ticket to Hong Kong in Cathay Pacific first class for 125,000 points, fly between the U.S. and Finland in Finnair business class for 62,500 points one-way, or even use the Air Canada Aeroplan program to book short-haul flights within the U.S. with United Airlines from 6,000 points one-way.

There is no shortage of great ways to use your Mesa Points, thanks to its list of transfer partners.

Other Ways To Redeem Your Mesa Points

Using transfer partners isn’t your only option for your Mesa Points, though. You can also redeem them for gift cards with select merchants, as a statement credit toward your mortgage, and to cover loan closing costs.

That said, you’ll almost always get the best value, from a cents per point perspective, by redeeming with transfers to Mesa travel partners.

Final Thoughts

It’s always been a bummer for homeowners to not earn rewards on one of their largest monthly expenses. Thanks to Mesa, they can do it with no annual fee. In addition to these rewards, customers have access to some top-notch transfer partners.

While the Mesa program doesn’t offer as many partners as others, it has slowly expanded its offerings. Either way, being able to earn up to 100,000 transferable rewards points on your mortgage payments each year is a big win.