Great Card If
- You want to earn rewards on your mortgage payment with no fees.
- You want perks and credits that have homeowners in mind.
- You want a card with no annual fee that earns transferable rewards.
Don’t Get If
- You aren’t a homeowner.
- You prefer a travel-focused rewards card.
Mesa Homeowners Card — Is It Worth It?
If you’re a homeowner and want to earn rewards for one of your largest monthly expenses, your mortgage, with no fees, the Mesa card might be an excellent fit for your wallet.
Not only does it earn rewards on your mortgage, it also racks up the points on other household items like home improvement, decor, maintenance, utilities, and daycare, as well as common daily expenses like groceries, gas, EV charging, and more. Not to mention that it offers over $500 in annual credits, all for no annual fee.
Put simply, the Mesa card packs a powerful punch for homeowners thanks to its combination of bonus categories, perks, transferable rewards, and the ability to earn points on your mortgage payment with no fees.
Mesa Card Top Benefits and Perks
Usually, credit cards with no annual fee offer few perks and benefits, but this is not the case with the Mesa card.
- Earn fee-free points on your mortgage payment: 1x points on your mortgage payment, up to 100,000 points annually (when you spend at least $1,000 during your statement cycle on eligible purchases)
- $200 annual Thumbtack credit
- $120 annual Lowe’s credit
- $120 annual Wag! credit
- $120 annual Farmer’s Dog credit
- $100 Armadillo Home Warranty credit
- $100 Cozy Earth credit
- No annual fee, no foreign transaction fees, and no fees on mortgage payments
In addition to fee-free rewards on your mortgage payments, which is already a stellar perk on its own, you also receive over $500 in annual credits to use each year, which is extremely rare for a no-annual-fee credit card.
Best Ways To Earn and Redeem Your Mesa Points
It should come as no surprise that the best way for you to earn as many points as possible with your Mesa card is to use it for as many purchases as you can. With it, you earn 3x points on home and family expenses (including home improvement, decor, maintenance, utilities, and daycare), 2x points on groceries, gas, and EV charging, and 1x points on your mortgage payment and all other purchases.
In order to earn 1x points on your mortgage payment each month, you must spend at least $1,000 during your statement cycle on eligible purchases with your card that don’t include your mortgage payment.
Once you’re ready to redeem your rewards, you can do so for gift cards, travel experiences, statement credits, or transfer your points to one of Mesa’s many transfer partners.
Alternative Cards to the Mesa Card
If you’re not a homeowner and rent instead, consider the Bilt card. It allows you to earn 5x Bilt Points on Lyft rides, 3x points on dining, 2x points on travel, and 1x points on rent, up to 100,000 points per calendar year, with no transaction fees. You’ll also earn 1x points on all other eligible purchases. You must make at least 5 transactions per statement period to earn points (rewards & benefits). All of these benefits come with a $0 annual fee (rates & fees).
If you’re looking for a travel-focused rewards card with an uncomplicated earning structure, the Capital One Venture card would be a good choice as it earns 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel and an uncapped 2x miles on all other purchases.
Plus, it comes with a Global Entry or TSA PreCheck credit, a $50 annual experience credit for hotels booked through Capital One’s Lifestyle Collection, and access to Capital One’s transfer partners.
