2025.5 Replace: This can be a newly launched card, and its greatest promoting level is that it allows you to earn factors in your mortgage funds. Proper now, there’s a 50k level welcome bonus out there, ending June 30.
Utility Hyperlink
- Mesa Owners Card Make sure 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 function is that you could earn factors in your month-to-month mortgage—while not having to pay the mortgage with the cardboard or refinance by means of Mesa. So how does Mesa allow you to earn factors in your mortgage? Mesa requires you to hyperlink the checking account you employ 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 not less than $1,000 monthly on the cardboard, you’ll earn 1x your month-to-month mortgage quantity in Mesa factors.
- 50k supply: earn 50,000 Mesa factors after spending $5,000 within the first 90 days.
- Bonus classes: 3x factors on dwelling enchancment, decor, upkeep, utilities, and daycare; 2x factors on groceries, gasoline, and EV charging; 1x level on every part else.
- See under 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 professionals for dwelling tasks
- $120 annual Wag! Credit score – On-demand pet care at your fingertips
- $120 annual The Farmer’s Canine Credit score – Contemporary, wholesome meals on your pup
- $120 annual Lowe’s Credit score – Improve and preserve your house [Attention] You solely get this for the primary yr, and it’s really $30 per quarter
- $100 Armadillo Residence Guarantee Credit score – Defend your house 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 must be ample for many customers.
- Mesa’s switch companions are at the moment 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 purchasing 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 price round 1.5 cents/level— possible the very best redemption worth for Mesa factors.
Finnair makes use of Avios, which may 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 purchasing 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 primarily based on Frequent Miler.)
Abstract
The idea of incomes factors in your mortgage—while not having to make use of this card to pay the mortgage—is genuinely new and handy.
That stated, now we have a number of issues:
- The present construction is probably not sustainable financially for the issuer.
- The shortage 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 count on the perks and level values to final endlessly. Earn quick, redeem quick.
Utility Hyperlink
- Mesa Owners Card Make sure that to make use of promo code BONUS50 when making use of to get the 50k welcome bonus.
When you like this publish, remember to present it a 5 star score!