Mesa Credit Card 50,000 Points Signup Bonus

Contents

1 The Offer
2 Card Details
3 Our Verdict

The Offer

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Mesa credit card is offering a 50,000 points signup bonus after spending $12,000 in the first 3 months. Must use promo code SEPT50. Offer expires 9/30/25.

Card Details

No annual fee
No foreign transaction fee
Card earns at the following rates:
- 3x on home decor, home improvement, general contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities and daycare
- 2x on Groceries, Gas, and EV charging
- 1x Everywhere else
- 1x on mortgage payments when you spend $1,000 each month on the card
$65 toward Big Box Membership (warehouse clubs) each year
$120 Lowe’s Credit ($30 per quarter) – this credit is for the first year only
$200 annual Thumbtack credit (home maintenance and cleaning), up to $25 each job
$120 annual Wag! (pet care), up to $10 off each month
$120 annual The Farmer’s Dog (pet food), up to $10 off each month
$100 Armadillo Home Warranty (one time $100 on your first accident claim)
$100 Cozy Earth credit (bedding)

Points can be spent at up to 1.3 cent apiece through their travel portal; .8 cents per point cashout via their “Mortgage” option; .8 cents each towards gift cards; .6 cents each as credit card statement credits. They also offer redemptions for closing costs on mortgages obtained though their marketplace.

Here is the transfer partner list and their transfer rates:

Accor 1.5:1
Air Canada 1:1
Air India 1:1
Finnair 1:1
Hainan Airlines 1:1
SAS 1:1
Thai Airways 1:1
Vietnam Airlines 1:1

Full review here.

Our Verdict

You should be able to knock out $3,000-$4,000 of the spend by doing your regular $1k/month spend, but that still leaves a large $8k-$9k that you’ll be spending on the card in order to meet the signup bonus spend requirement.

Still not a bad deal for someone with unlimited spend or someone who is anyway signing up for the card or someone who can do the spend in the bonus 3x category (e.g. property taxes). Just keep in mind points are only worth 0.8¢ towards your mortgage.

Mesa previously offered a 50,000 point bonus with a lower $5,000 spend which was obviously a better deal. There’s also a referral offer deal with a bit less spend.