{"id":301604,"date":"2025-06-19T06:09:41","date_gmt":"2025-06-19T06:09:41","guid":{"rendered":"https:\/\/peraltafinancing.com\/airline\/no-annual-fee-mesa-homeowners-card-too-good-to-be-true\/"},"modified":"2025-06-19T06:09:41","modified_gmt":"2025-06-19T06:09:41","slug":"no-annual-fee-mesa-homeowners-card-too-good-to-be-true","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=301604","title":{"rendered":"No Annual Fee Mesa Homeowners Card: Too Good To Be True?"},"content":{"rendered":"


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Link: Apply now for the Mesa Homeowners Card<\/a><\/strong><\/p>\n

We recently saw the introduction of the Mesa Homeowners Card<\/a>. Okay, that\u2019s not exactly the sexiest card name, and the card\u2019s lack of obvious affiliation with a major bank might make some people skeptical. However, the card offers some really good benefits, all with no annual fee.<\/p>\n

I\u2019m trying to decide whether to apply for this myself, so let me cover all the details, because (dare I say) this almost sounds too good to be true. Thanks to Frequent Miler<\/a> for flagging this.<\/p>\n

Basics of the Mesa Homeowners Card<\/h2>\n

The Mesa Homeowners Card<\/a> is a Visa Signature product issued by Celtic. It has no annual fee, gives you points for paying your mortgage (without even using the card!), and even offers some credits that can help you come out ahead.<\/p>\n

On the surface, I\u2019m almost suspicious of this concept, because I don\u2019t understand how exactly Mesa is supposed to make money. Then again, I largely had the same skepticism when Bilt first launched, yet Bilt is still chugging along, and at least has a very high valuation. Think of Mesa as being to mortgages as Bilt is to paying rent (even though we know that Bilt also plans to get into the mortgage space<\/a>).<\/p>\n

Mesa Homeowners Card points for mortgage payments<\/h3>\n

The Mesa Homeowners Card offers offers 1x points on your mortgage payments, up to a maximum of 100,000 points per year. You don\u2019t even have to use your Mesa Homeowners Card to pay your mortgage, but instead, you just need to make $1,000 in qualifying purchases on the account per billing cycle to unlock that.<\/p>\n

The way it works is that you connect your bank account from which your mortgage is debited to the Mesa app, and then Mesa will give you points for that amount. It\u2019s my understanding that there\u2019s typically little verification and validation when it comes to this. Yes, you\u2019re literally getting points without using the card for those purchases, though you do have to make $1,000 in purchases per billing cycle.<\/p>\n

Mesa Homeowners Card 1-3x points rewards structure<\/h3>\n

Beyond the ability to earn points simply for paying your mortgage, the Mesa Homeowners Card has the following rewards structure, all with no foreign transaction fees:<\/p>\n