Mesa Points Rewards Program Review: Earning, Redeeming, Transfer Partners, and More [2025]

If you’re a homeowner looking for a way to earn rewards on one of your biggest monthly expenses, Mesa Points might be worth a closer look. This program lets you earn points on mortgage payments, everyday spending, and other home-related purchases while also offering flexible redemption options through a travel portal and a growing list of airline and hotel transfer partners.

Mesa Points isn’t just about mortgages, though. It’s designed to reward your day-to-day spending as well. From using the Mesa Homeowners Card to referring friends to the program, there are several ways to rack up points. And once you’ve earned them, Mesa Points can be redeemed in a variety of ways, giving you real-world value on flights, hotels, and even your mortgage. Whether you’re new to points programs or a seasoned rewards traveler, Mesa Points offers unique opportunities that make it stand out in the crowded rewards landscape.

Let’s break down how it works and how to get the most out of your points.

What Is Mesa Points?

Mesa Points is a loyalty program tied primarily to the Mesa Homeowners Card, a credit card designed to reward homeowners. The program allows you to earn points on mortgage payments, home-related purchases, and everyday spending categories like groceries and gas. Points can then be redeemed for flights, hotels, mortgage credits, gift cards, and statement credits, making it a versatile program for homeowners who want rewards that actually match their lifestyle.

Mesa Points bridges the gap between homeownership expenses and travel rewards, providing a way to convert large, recurring payments into valuable points that can be used for travel or to offset mortgage costs.

How To Sign Up for Mesa Points

Signing up for Mesa Points is straightforward. You first need the Mesa card, which automatically enrolls you in the rewards program. Once you have the card, you can start earning points immediately on qualifying purchases.

Mesa also allows you to create an online account to track your points, monitor redemptions, and access the Mesa travel portal for flights and hotels. The mobile app (iOS, Android) also walks you through your benefits and setting everything up.

Mesa Points Transfer Partners: Airlines and Hotels

Mesa Points can be transferred to a growing list of airline and hotel partners. This allows cardholders to take advantage of award charts and booking sweet spots offered by other loyalty programs. Current transfer partners include:

Transfers usually happen at a 1:1 ratio for most programs, with some exceptions (for example, transfers to ALL – Accor Live Limitless are done at a 3:2 ratio). Using these transfer partners can feel a little daunting at first, but careful planning can unlock outsize value, especially when booking premium cabin flights or high-end hotels.

Earning With Mesa Points

There are multiple ways to earn Mesa Points, which is good news.

Welcome Bonus Offer

The Mesa card tends to offer valuable welcome bonus offers for new cardholders, providing a head start on points accumulation.

Using the Mesa Card

Mesa Homeowners Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Mesa Homeowners Card

Welcome Offer

No offer available

No offer available

Annual Fee

$0

APR

25.24% Variable

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

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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
• Complimentary Instacart+ membership
• $0 annual fee
• No foreign transaction fees
• Access to travel transfer partners

Financial Snapshot

• APR: 25.24% Variable
• Foreign Transaction Fees: None

The Mesa card has a $0 annual fee and earns 3x points on home and family expenses, 2x points on everyday expenses like groceries, gas, and EV charging, and 1x points on other purchases, including mortgages. The card also offers valuable credits like up to $200 with Thumbtack annually, up to $120 annually with Wag!, and up to $120 annually with Lowe’s, among other perks.

You need to spend at least $1,000 on nonmortgage purchases per billing cycle on the Mesa card to qualify for points earning on mortgages. Additionally, there’s an annual limit of earning 100,000 points from mortgage payments, and you can’t earn on multiple mortgages at the same time, even if you own more than 1 home.

We value Mesa Points at 1.3 cents each, making 3x earnings a 3.9% return on spending, while 2x categories provide a 2.6% return.

Referrals

You can earn bonus points for referring friends and family members to Mesa Points. Typically, you get 5,000 points for each successful referral.

Redeeming With Mesa Points

Mesa Points offers a variety of redemptions, giving cardholders flexibility to use points where they see the most value. You can redeem for mortgage credits, flights, hotels, gift cards, and statement credits.

Let’s look at each of these in turn.

Redeem Mesa Points Toward Your Mortgage

One of Mesa Points’ unique features is the ability to redeem points directly toward your mortgage. Each point is worth 0.8 cents when applied to your mortgage, allowing you to offset what is usually a nonrewardable expense. While this isn’t the highest per-point value compared to travel redemptions, it’s convenient and provides guaranteed value with zero hassle.

Redeeming for Flights

Mesa Points can be transferred to multiple airline partners, which opens opportunities for high-value redemptions. Some valuable examples include:

• Air Canada Aeroplan: Excellent for short- and long-haul Star Alliance flights. A one-way business-class ticket from New York to Europe can cost around 60,000 to 70,000 points, offering a value of 3 to 5 cents per point when redeemed through Aeroplan, rather than paying $3,000 or more for the ticket.
• SAS EuroBonus: Great for intra-Europe flights and some premium cabin redemptions. Booking a one-way economy ticket within Europe for 9,000 points can yield redemptions above 2 cents per point.
• Cathay Pacific Cathay: One-way business class from the U.S. to Hong Kong for 80,000 points can yield 3 or more cents per point.

Transfers take a little effort — you need to create accounts with the partner airlines and search for award availability to ensure seats are available before moving your points — but the payoff can be substantial compared to using points through the portal or redeeming for a statement credit.

Mesa also offers a travel portal where you can book flights directly. While convenient, the points value is generally lower than strategic partner redemptions through transferring your points to partners.

Hot Tip:

Once you send your Mesa Points to an airline, you can’t move them back. That’s why you should always ensure the award seats you want are available before moving your points to an airline program. Holding them in your Mesa account keeps your options open for whatever redemption you want to make when you’re ready to use your points.

Redeeming for Hotels

Mesa Points can be used through transfer partners and the travel portal to book hotels. Here’s how they compare.

Right now, Mesa’s sole hotel transfer partner is ALL – Accor Live Limitless. ALL Reward points redemptions operate on a fixed value: Redeeming 1,000 points takes €20 (roughly $23.40) off your hotel bill. That makes points worth roughly 2.3 cents each.

Conversely, in Mesa’s travel portal, you can book a variety of hotels directly with Mesa Points. The value of your points typically ranges from 0.5 to 0.9 cents per point, depending on the property and season. That’s a fraction of what you can get with Accor.

Other Redemption Options

If travel isn’t on the horizon, Mesa Points can also be redeemed for cash-back, statement credits, and gift cards. With cash-back and statement credits, you generally get 0.5 to 0.6 cents per point. Gift card redemptions are available with major retailers, usually at a similar per-point value as cash-back.

While these options don’t provide the same outsize value as flights or luxury hotels, they offer simple and guaranteed ways to use points.

Mesa Points Travel Portal

The Mesa travel portal allows cardholders to book flights and hotels directly with points. You can search for domestic and international flights, as well as a wide selection of hotels.

When it’s time to use the portal, a few tips can help you maximize your points:

• First, compare portal pricing with transfer partner redemptions to ensure you’re getting maximum value. Which option requires the fewest points?
• The portal offers instant booking and flexibility without needing to manage separate airline or hotel accounts.
• Some high-end flights and hotels may not be available through the portal, making transfers to partner programs the better choice for premium experiences.

Point value in the portal is typically around 1.25 cents per point.

What Else To Know

Do Mesa Points Expire?

Mesa Points do not expire as long as your account remains active. Keeping the Mesa card in good standing ensures your points remain available for future use.

How Much Are Mesa Points Worth?

As with any flexible points program, the value you get depends on how you redeem. Flights and premium hotel transfers generally offer the best return. Typical values for your redemptions are:

• Mortgage credits: 0.8 cents per point
• Travel portal flights and hotels: 1.25 cents per point
• Airline transfer redemptions: Can be 2 or more cents per point in many cases (especially premium cabin redemptions), though values aren’t guaranteed
• Hotel transfer redemptions: 2.3 cents per point with Accor
• Cash-back and gift cards: 0.5 to 0.6 cents per point

Comparing Mesa Points to Other Transferable Points Programs

Mesa feels most similar to Bilt Rewards and Chase Ultimate Rewards, though their transfer partners may not make it look like it at first glance.

Bilt Rewards started with a main focus on renters, but the program is expanding into homeowner spending, neighborhood earning opportunities, and more. Bilt doesn’t allow direct mortgage redemptions yet, which is Mesa’s unique advantage, but it does allow for earning and redeeming points on rent. Bilt shares some partners like Aeroplan, but is more limited overall.

Chase Ultimate Rewards offers a broader transfer network and higher per-point valuation potential, but it doesn’t directly reward mortgage payments. Chase points are more versatile for nonhomeowners, while Mesa Points are highly targeted to homeowners. Chase’s value comes from its broad appeal and the ability to redeem points in numerous ways — though paying a mortgage with a Chase card or redeeming points against that mortgage isn’t directly possible.

However, there are multiple rewards programs with points transfers these days, and it’s worth seeing their unique and shared transfer partners all in 1 place:

Interestingly, none of the Wells Fargo Rewards transfer partners overlap with Mesa Points. Overlaps with multiple other programs are also quite minimal, meaning Mesa’s list of transfer partners is rather unique.

Bottom Line:

Mesa’s niche is clear: Homeowners can earn rewards on large recurring payments, with options to leverage travel partners for outsize value, something Bilt and Chase don’t provide in quite the same way.

Final Thoughts

Mesa Points is a unique rewards program that turns mortgage payments and home-related spending into valuable points. With its ability to transfer to airline and hotel partners, redeem toward your mortgage, or use the travel portal, it offers flexibility for homeowners who want real-world value from everyday expenses.

While navigating partner transfers can require some effort, the potential for high-value redemptions — especially flights and hotels — makes Mesa Points worth exploring. If you’re a homeowner looking to get more from your spending, Mesa Points is a program that deserves attention.