Bonus Ep: Earn Points on Mortgage, 4x 100k+ Card Bonuses, New 4% Card, Devaluations and More - All the Hacks: Money, Points & Life Recap

Podcast: All the Hacks: Money, Points & Life

Published: 2025-06-28

Duration: 23 min

Summary

In this bonus episode, the host discusses new credit card offers and changes, highlighting the Mesa Homeowners card, which allows users to earn points on mortgage payments and offers various perks for homeowners. The episode emphasizes timely news and insights that don't fit into regular podcasts.

What Happened

The episode kicks off with the host explaining the purpose of the bonus episode, which is to share timely news regarding credit card offers, new products, and changes in various programs. Instead of waiting for the next full-length episode, he wants to provide valuable information right away, particularly since many of these topics are pressing. He encourages listeners to subscribe to the newsletter for weekly updates on similar topics, assuring them that it’s designed to be concise and informative.

One of the standout features discussed is the Mesa Homeowners card, which is unique in that it allows users to earn points on their mortgage payments without requiring them to pay via the card itself. Users can validate their mortgage status through various means and earn 1x transferable points as long as they spend at least $1,000 monthly. The card also offers impressive earning rates in categories like home decor, home improvement, and even daycare, making it an appealing option for homeowners with significant expenses in those areas. The host lists various perks associated with the card, including reimbursements for memberships and credits for home-related services, which adds substantial value for cardholders.

Key Insights

Key Questions Answered

What is the Mesa Homeowners card?

The Mesa Homeowners card is a credit card that allows users to earn points on their mortgage payments, which is a first of its kind. The card has no annual fee and requires validation of mortgage status, enabling users to earn 1x transferable points as long as they spend at least $1,000 a month on it.

What are the unique earning categories of the Mesa card?

The Mesa card offers 3x points on several categories that are not commonly found with other credit cards, including home decor, home improvement, daycare, and property taxes. Additionally, it provides 2x points on gas, groceries, and EV charging, making it a solid choice for those with varied home and family expenses.

What perks come with the Mesa Homeowners card?

Cardholders of the Mesa card enjoy several perks, including reimbursements for big box memberships and annual credits for pet care and home improvement services. For example, users receive $120 annually in credits for Lowe's and $200 annually on Thumbtack for home maintenance, adding significant value to the overall offering.

How can Mesa card points be redeemed?

Points earned with the Mesa card can be redeemed through the travel portal at a value of one cent per point, or for gift cards and statement credits at lower values. However, the real allure lies in the card's transfer partners, which now include Air Canada and SAS Eurobonus, expanding the potential for valuable redemptions.

Are there any signup bonuses for the Mesa Homeowners card?

Currently, there is no traditional signup bonus for the Mesa card; however, there is a referral link that offers 5,000 points. This makes the card particularly appealing for individuals with substantial mortgage payments, as they can earn up to 100,000 points annually if they meet the spending requirement.