Overview

• For a limited time with no listed end date, cardholders earn 5,000 points per approved referral (up to 10,000) and can unlock a 50,000-point bonus by spending $10,000 within 90 days, for a total of 60,000 points.
• The 50,000-point offer unlocks only after two successful referrals and must be manually activated in the Mesa app, with the 90-day clock starting at activation and the bonus posting after the billing cycle in which the spend is met.
• Excluded from the $10,000 requirement are balance transfers, cash advances, ATM withdrawals, fees, betting, money orders, traveler’s checks, person-to-person transfers, and cash equivalents.
• Mortgage-related points are awarded without paying the mortgage through Mesa by reporting the payment amount and spending $1,000 each month, with credits posting after statement close and a 100,000-points-per-year cap on mortgage earnings.
• The card has no annual fee, earns 3x on home-related categories plus 2x on groceries, gas and EV charging, offers statement credits such as $65 for Costco membership, $120 yearly at Lowe’s ($30 per quarter) and $200 at Thumbtack, and supports transfers to multiple airline and hotel partners.