Mesa Homeowners Card Offering Best-Ever 50K Welcome Bonus

Updated: May 23, 2025, 1:02pm CDT

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Table of Contents

What Is the Mesa Homeowners Card?
New 50,000-Point Welcome Offer on the Mesa Card
Final Thoughts

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The Mesa Homeowners Card launched in 2024 for an underserved market: earning points on homeowners’ expenses. Along with earning points on mortgages, cardholders can earn points on home improvements, childcare, gas, and more.

Previously, new applicants for the Mesa card could earn 5,000 bonus points using a referral. Now, there’s a 50,000-point welcome offer available — 10x the card’s previous bonus.

We don’t know when or if this offer might end, so it could be worth looking sooner than later if you’re interested. Here are the details.

What Is the Mesa Homeowners Card?

The Mesa card launched in 2024 with the idea that people should earn points on mortgage payments, home upgrades, and everyday spending. After all, housing expenses make up a majority of monthly expenses for most people in the U.S.

Additionally, earlier this year, the card added a Lowe’s credit and additional bonus categories for earning points. Now, the Mesa card offers the following perks:

1 point per $1 spent on monthly mortgage payments, up to 100,000 points annually
2 points per $1 spent on groceries, gas, EV charging, and grocery delivery services
3 points per $1 spent on home and family expenses like home improvements, cable and streaming services, property taxes, decorations, maintenance, and childcare
No annual fee
More than $800 in annual statement credits available with merchants like Lowe’s, The Farmer’s Dog, Thumbtack, Armadillo, Cozy Earth, and Wag!
Up to $65 in annual credits to reimburse your membership fee for big box stores

Do note that you only earn points on mortgage payments if you have $1,000 or more in qualifying purchases with your Mesa card during that same statement period. Furthermore, the grocery category does not include Amazon, Target, Walmart, or wholesale clubs.

For context, we ranked this card’s launch among the 10 most noteworthy credit card developments in 2024. But it has continued to improve.

Earlier in 2025, Mesa launched points transfers to the following programs:

Accor Live Limitless (1.5:1 transfers)
Air India Maharaja Club (1:1 transfers)
Finnair Plus (1:1 transfers)
Hainan Airlines Fortune Wings Club (1:1 transfers)
Thai Airways Royal Orchid Plus (1:1 transfers)
Vietnam Airlines LotusMiles (1:1 transfers)

You must transfer points in increments of 1,000.

Hot Tip:

Accor is the only hotel program among Mesa’s transfer partners right now, while the other partners are airline rewards programs. However, this list of transfer partners should continue to grow in the future.

New 50,000-Point Welcome Offer on the Mesa Card

The Mesa card has an elevated welcome offer for new applicants, providing 50,000 bonus points after spending $5,000 or more on purchases within the first 3 months of account opening. This is a huge increase over the 5,000-point welcome bonus the card previously offered.

To score this welcome offer, use the promo code: Bonus50. Application details are available here.

Final Thoughts

New applicants for the Mesa card can take home 10x more bonus points, thanks to the card’s new bonus offer. You can earn 50,000 bonus points after meeting the minimum spending requirements, and you won’t pay an annual fee to keep this card in your wallet.

For homeowners, earning points on monthly expenses without paying extra fees is an attractive option. Adding 50,000 bonus points to the mix is worth considering, as we don’t know how long this offer will last.