Mesa Mortgage Credit Card

cashorcharge · ‎05-24-2025

I had not heard of this card until today. There's a few hoops you need to jump through to earn meaningful rewards and it also states you don't need to pay your mortgage with the card to earn the rewards either...which seems a bit odd...apparently they "take your word" on your mortgage payment each month and then rewards you.

Curious if anyone has applied...

https://www.mesamember.com/card

xenon3030 · ‎05-24-2025

Like the WF Bilt credit card, it would be a net loss for the provider. Not sure how on earth they expect that the users would not do PIF to able to collect interest from the users. The only scenario that a user might consider avoid PIF would be a 0% APR or very low APR offer in the first year, having a large CL of e.g. 40k while paying a mortage of 5k for a few months and making sure that the utilization ratio would not reach 30% to avoid tanking the Fico score.

Another issue is that a missed mortgage payment can have severe consequences and not sure how many users can risk using a credit card for mortgage. I guess, the bank would need a strong user agreement, to avoid taking any responsibility for technical issues that may result foreclosures.

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ptatohed · ‎05-24-2025

Very interesting. Thanks for sharing. Is a "Mesa Point" worth 1c when redeeming for statement credit?

That seems so strange that they will give you 1 point per dollar spent on your mortgage, based on your stated mortgage and not even paying your mortgage with their card.

Those annual credits are insane. I'm not sure I would use most of them other than maybe Lowe's but if one were to use each and every credit, how can Mesa afford to give out hundreds and hundreds of dolars in credits???

I'm thinking this one through......... 1% (assuming 1 point = 1c) on my $2k mortgage = $240/yr + at least the Lowe's credit of $120 = $360/yr + spending $1k per month at 1 - 3% for, maybe ~ $15/mo = $540/year. No bad.

Of course the Lowe's and $1,000 spend would have been at 4-5% instead of 1 - 3% so there is that. But, who knows, maybe I could find a use for another one or two more of those credits.

Very intriguing!

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cashorcharge · ‎05-25-2025

@xenon3030 wrote:
Like the WF Bilt credit card, it would be a net loss for the provider. Not sure how on earth they expect that the users would not do PIF to able to collect interest from the users. The only scenario that a user might consider avoid PIF would be a 0% APR or very low APR offer in the first year, having a large CL of e.g. 40k while paying a mortage of 5k for a few months and making sure that the utilization ratio would not reach 30% to avoid tanking the Fico score.

Another issue is that a missed mortgage payment can have severe consequences and not sure how many users can risk using a credit card for mortgage. I guess, the bank would need a strong user agreement, to avoid taking any responsibility for technical issues that may result foreclosures.

Since most banks don't accept a CC for payments...I'm not sure how many people could actuall use the CC process the payment...unlike BILT who would mail a check for renters and I anticipate the that if/when BILT allows Mortgage Payments...it too would mail checks for them processed in their system. It doesn't appear that MESA has that option.

cashorcharge · ‎05-25-2025

@ptatohed wrote:
Very interesting. Thanks for sharing. Is a "Mesa Point" worth 1c when redeeming for statement credit?

That seems so strange that they will give you 1 point per dollar spent on your mortgage, based on your stated mortgage and not even paying your mortgage with their card.

Those annual credits are insane. I'm not sure I would use most of them other than maybe Lowe's but if one were to use each and every credit, how can Mesa afford to give out hundreds and hundreds of dolars in credits???

I'm thinking this one through......... 1% (assuming 1 point = 1c) on my $2k mortgage = $240/yr + at least the Lowe's credit of $120 = $360/yr + spending $1k per month at 1 - 3% for, maybe ~ $15/mo = $540/year. No bad.

Of course the Lowe's and $1,000 spend would have been at 4-5% instead of 1 - 3% so there is that. But, who knows, maybe I could find a use for another one or two more of those credits.

Very intriguing!

Right!?! Nice concept but I don't see how it would pencil out as beneficial compared to other options...and the whole "stated mortgage payment" feels too easy fudge the actual number....

AndySoCal · ‎05-25-2025

@ptatohed @cashorcharge The points for a mortgage are only given on a Mesa Mortgaage. Mesa Mortgage will be able to link the credit card to a Mesa mortgage. If you were to put a mortgage that is not a Mesa Mortgage on the card no points would be given. Also notice the answer to the 4th FAQ What if I do not pay mortage using the credit card.? implies you still get the points.

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salt_water_swimming · ‎05-25-2025

They see your mortgage payment via a Plaid link to your bank account. It does not have to be a Mesa mortgage. You state your mortgage amount so they know which bank account transaction is the mortgage.

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ptatohed · ‎05-26-2025

Thanks guys. I'm still a little confused. So a MesaPoint can only be redeemed against a Mesa mortgage, or.....?

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

trant3 · ‎05-26-2025

You do not need a Mesa Mortgage to get the points.

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KatzNDawgs · ‎05-26-2025

Any mortgage it looks like, but you don't use the card to pay the mortgage. However, you need 1k monthly spend to get the mortgage points.