2025.5 Replace: It is a newly launched card, and its largest promoting level is that it helps you to earn factors in your mortgage funds. Proper now, there’s a 50k level welcome bonus out there, ending June 30.
Software Hyperlink
- Mesa Owners Card Be certain that to make use of promo code BONUS50 when making use of to get the 50k welcome bonus.
Options
- Earn factors in your mortgage! This card’s standout characteristic is which you could earn factors in your month-to-month mortgage—with no need to pay the mortgage with the cardboard or refinance by way of Mesa. So how does Mesa allow you to earn factors in your mortgage? Mesa requires you to hyperlink the checking account you utilize to pay your mortgage through Plaid, just like the way you’d join an account to a budgeting app — that’s it! After which so long as you spend a minimum of $1,000 monthly on the cardboard, you’ll earn 1x your month-to-month mortgage quantity in Mesa factors.
- 50k provide: earn 50,000 Mesa factors after spending $5,000 within the first 90 days.
- Bonus classes: 3x factors on house enchancment, decor, upkeep, utilities, and daycare; 2x factors on groceries, fuel, and EV charging; 1x level on every thing else.
- See beneath for a full overview of Mesa factors. For the reason that switch companions aren’t notably robust, we’re assigning them a conservative valuation of 0.8 cents per level for now.
- Annual credit:
- $200 annual Thumbtack Credit score – Rent trusted execs for house tasks
- $120 annual Wag! Credit score – On-demand pet care at your fingertips
- $120 annual The Farmer’s Canine Credit score – Contemporary, wholesome meals to your pup
- $120 annual Lowe’s Credit score – Improve and preserve your own home [Attention] You solely get this for the primary yr, and it’s truly $30 per quarter
- $100 Armadillo House Guarantee Credit score – Defend your own home from surprising repairs
- $100 Cozy Earth Credit score – Bask in premium, sustainable bedding
- No overseas transaction charge.
- No annual charge
Disadvantages
- You possibly can solely earn as much as 100,000 Mesa factors per yr on mortgage-related earnings. However this cover ought to be enough for many customers.
- Mesa’s switch companions are at present not very robust.
Mesa Factors Overview
Mesa factors can be utilized in a number of methods:
- Transferred to companions
- Redeemed on Mesa’s journey or procuring portals
- Redeemed as assertion credit score
Switch companions:
- Accor (1.5:1)
- Air India (1:1)
- Finnair (1:1)
- Hainan Airways (1:1)
- Thai Airways (1:1)
- Vietnam Airways (1:1)
Accor factors are fixed-value at €0.02/level. At 1.5:1 switch, Mesa factors could possibly be value round 1.5 cents/level— possible the perfect redemption worth for Mesa factors.
Finnair makes use of Avios, which might switch freely with BA/IB/EI, making it one of many extra helpful choices right here.
Mesa Journey portal: ~1.0 cents/level
Present playing cards through procuring portal: ~0.75 cents/level
Assertion credit score: fastened at 0.5 cents/level
(Observe: Mesa doesn’t publish detailed redemption information; these estimates are based mostly on Frequent Miler.)
Abstract
The idea of incomes factors in your mortgage—with no need to make use of this card to pay the mortgage—is genuinely new and handy.
That mentioned, now we have a number of issues:
- The present construction will not be sustainable financially for the issuer.
- The dearth of transparency round level redemption may sign future devaluation.
- A few of the credit, like Lowe’s, are misleadingly marketed as “$120/yr” however are literally solely within the first yr and cut up quarterly, which feels shady.
Backside line: If you wish to get in on this card, do it whereas they’re nonetheless burning money. Don’t anticipate the perks and level values to final eternally. Earn quick, redeem quick.
Software Hyperlink
- Mesa Owners Card Be certain that to make use of promo code BONUS50 when making use of to get the 50k welcome bonus.
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