🏡 Mesa Homeowners Card: Turn Your Mortgage Into Points

For most Americans, your mortgage is your biggest monthly expense. So what if you could earn points—real travel and lifestyle rewards—just for paying your mortgage?

The Mesa Homeowners Card is one of the only credit cards designed specifically for homeowners, rewarding you for household expenses including your mortgage (without needing to pay it with the card!).

Let’s break it down...

🔑 Key Features of the Mesa Homeowners Card

💸 Earn 1 Point per $1 on Your Mortgage Payment

• Mesa tracks your mortgage payment amount via your application and linked bank account (or by uploading documentation).

• You don’t need to pay your mortgage with the Mesa card.

• Instead, you’ll earn points based on the monthly amount you already pay, up to 100,000 points per year.

• Points are awarded only if you spend $1,000+ in other qualifying purchases on your card during the same billing cycle.

This means you’re getting rewarded for something you’re already doing—just for being a homeowner.

🏠 Earn Bonus Points on Everyday Home Expenses

Mesa wants to reward the full ecosystem of homeownership. So you’ll also earn:

• 3X Points on purchases in the following categories:

• Home Decor & Improvement (like Lowe’s, Home Depot)

• General Contractors

• Utilities & Telecom

• Cable & Streaming Services

• Home Insurance, Property Taxes

• Maintenance & Daycare

2X Points at:

• Grocery stores (except for big box stores like Walmart, Target, Costco)

• Gas stations & EV charging

• 1X Point on all other qualifying purchases

🚫 What Doesn’t Earn Points?

Certain transactions won’t qualify for points, including:

• Cash advances or balance transfers

• Gambling or gaming purchases

• Fees, interest charges, or disputed transactions

• Returned or refunded items

🧠 FAQs – Mesa Homeowners Card

💳 How do I apply for the Mesa Homeowners Card?

You can apply directly through the Mesa App (available on iOS, Android, or on the web). If approved, you’ll get instant access to your digital card, with the physical card arriving in 1–3 business days.

🏘️ What if I own more than one home?

At this time, Mesa only allows one mortgage per cardmember to earn points. If you have multiple properties, you’ll need a separate application for each (if/when allowed in future updates).

💡 What if my utilities provider doesn’t accept credit cards?

Mesa can only reward utility payments made with the card. If your provider doesn’t accept credit cards, we recommend reaching out to them to ask about adding this option!

❓ Do I need to pay my mortgage with the Mesa card?

No. Mesa does not require you to pay your mortgage with the card. Your eligible mortgage amount is pulled from your application and linked bank account info. Simply continue paying your mortgage as usual—Mesa tracks it and applies points accordingly.

📬 How long does it take to receive my card?

You’ll receive instant access to a digital card upon approval. Your physical card arrives in 1–3 business days via mail.

🔒 What if my card is lost or stolen?

Freeze your card directly in the Mesa app. For additional help, contact Mesa Support:

• Phone: 1 (866) 301-6372

• Email: [email protected]

💵 Is there an annual fee?

Nope. There is no annual fee.² However, it’s still smart to review the card’s full terms and disclosures for any applicable charges.

👥 Can I add authorized users?

Not at this time. Mesa doesn’t currently support authorized users, but this may change in the future.

📊 Does the $1,000 monthly spend include my mortgage payment?

No. You must spend at least $1,000 per month on other qualifying purchases in addition to your mortgage to earn points from your mortgage payment.

🚀 Final Thoughts

If you’re a homeowner, the Mesa Homeowners Card gives you something most cards never touch: rewards for your mortgage. Combine that with accelerated points on your utilities, home projects, and groceries, and you’ve got a card that turns your regular home life into points for your next trip—or anything else you love.

👉 Want to apply? DM me “Mesa” and I’ll send you the link to get started.