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Mesa Homeowners Credit Card Review: A Revolutionary Way to Earn Rewards on Your Mortgage
February 6, 2025
What Is the Mesa Homeowners Visa Signature Preferred Credit Card?
The Mesa Homeowners Visa Signature Preferred credit card represents a groundbreaking partnership between an innovative fintech company and Celtic Bank, designed specifically for homeowners. Launched in November 2023, this credit product introduces a unique value proposition: the ability to earn rewards points on mortgage payments without actually charging them to your card.
Mesa Homeowners Card Pros & Cons
Pros:
- Earn points on mortgage payments through account linking
- No annual fee
- Strong rewards on home-related purchases (3x points)
- Valuable statement credits for home maintenance and wholesale club memberships
- No foreign transaction fees
- Competitive rewards on everyday spending categories
Cons:
- High variable APR of 25.24% for purchases
- Currently only available through a waitlist
- No balance transfer or cash advance options
- New rewards program with evolving features
- Point values not yet standardized
Who Is the Mesa Homeowners Card For?
The Mesa Homeowners Visa Signature Preferred card is tailored for homeowners who want to maximize rewards on their property-related expenses. It's particularly suitable for:
- Property owners who want to earn rewards on their monthly mortgage payments
- Homeowners planning significant home improvement or maintenance projects
- Consumers who spend heavily on home decor and utilities
- Families looking for strong returns on everyday expenses like groceries and gas
- Pet owners who can benefit from the card's pet care credits
Comparing the Mesa Homeowners Card with Other Credit Cards
When considering the Mesa Homeowners Card, it's helpful to compare it with other popular options in the cashback credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One Savor Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 3% cash back up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Mesa Homeowners Card excels in [specific area]
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One Savor Cash Rewards Credit Card rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
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Consider Using Kudos to Maximize Your Rewards
While the Mesa Homeowners card offers compelling benefits, savvy cardholders can enhance their rewards even further by using Kudos, a free AI-powered browser extension. Kudos helps you automatically determine when to use your Mesa Homeowners card versus other cards in your wallet, ensuring you always earn the maximum possible rewards on every purchase.
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Our Expert Takeaway
The Mesa Homeowners Visa Signature Preferred credit card introduces an innovative approach to credit card rewards for homeowners. While financial advisor Tom Scanlon of Raymond James cautions against unnecessarily adding new credit cards, this product offers unique value for those who can responsibly manage their credit and want to maximize returns on housing-related expenses.
Mesa Homeowners Card FAQ
How do I earn points on mortgage payments?
You'll need to link your mortgage payment account through the Mesa membership app. The points are awarded based on your monthly mortgage payments, though the payments themselves don't go on the card.
What are the redemption options for Mesa Points?
Redemption options include statement credits, gift cards, and travel bookings through the Mesa travel portal. Transfer partners and travel loyalty program integration are expected to launch in the first quarter of 2024.
Can I use this card for home-related purchases beyond mortgage payments?
Yes, the card offers 3x points on home improvement, maintenance, utilities, and home decor purchases, making it valuable for various home-related expenses.
Does the card offer any additional benefits for homeowners?
Yes, cardholders receive statement credits for eligible wholesale club memberships, home maintenance expenses, and pet care services.
What is the application process?
Currently, the card is available through a waitlist process, with broader application access expected to open in the coming months.
Are there any fees I should be aware of?
While there's no annual fee or foreign transaction fees, the card has a variable APR of 25.24% for purchases. It's important to pay your balance in full to avoid interest charges.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
