Mesa Credit Card: 50,000 Points Signup Bonus — Is It Worth It?

What’s the Deal?

Mesa is currently offering a 50,000-point signup bonus when you spend $12,000 in the first 3 months using promo code SEPT50. This promotion runs through September 30, 2025.

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Key Features & Perks

Here are the highlights of the Mesa credit card:

Benefit	Details
Annual Fee	None
Foreign Transaction Fee	None
Bonus Categories / Earning Rates	• 3× points on home decor, home improvement, contractors, cable & streaming services, home insurance, property taxes, maintenance, telecom, utilities, and daycare.  • 2× points on groceries, gas, and EV charging.  • 1× point on everything else.
Credits & Add-Ons	• $65 annual warehouse club membership credit  • $120 Lowe’s credit (first year only, $30 per quarter)  • $200 annual Thumbtack credit (up to $25 per job)  • $120 annual Wag! pet care credit ($10/month)  • $120 annual Farmer’s Dog credit ($10/month)  • $100 Armadillo Home Warranty credit (first claim only)  • $100 Cozy Earth bedding credit (one-time)
Redemption Options	• Travel portal: up to 1.3¢ per point  • Cash back, mortgage repayment, or gift cards: ~0.8¢ per point  • Some gift cards & statement credits: ~0.6¢ per point
Transfer Partners	Includes Accor (1.5:1), Air Canada, Air India, Finnair, Hainan, SAS, Thai Airways, and Vietnam Airlines (all 1:1)

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Pros vs. Cons

👍 Pros

• Strong 3× bonus categories covering a wide range of everyday and household expenses
• No annual fee and no foreign transaction fee
• A variety of credits that offset common lifestyle expenses (pet care, home projects, etc.)
• Travel portal and airline transfer partners offer above-average redemption value

👎 Cons

• High spend requirement of $12,000 in 3 months makes it hard to qualify for the bonus
• Base earning rate is just 1× on non-bonus purchases
• Redemption value drops significantly outside of travel (0.6–0.8¢ per point)
• Some credits are only valid in the first year or have monthly restrictions

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Who This Card Is Best For

This card could be a great fit if:

• You already spend heavily on home maintenance, utilities, or similar categories
• You have large expenses coming up (property taxes, contractors, insurance, etc.) that can help you meet the spend requirement
• You plan to redeem through the travel portal or transfer to airline partners for maximum value
• You’ll make use of the extra perks like pet care, Lowe’s, or home service credits

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Verdict: Is It Worth It?

The Mesa 50,000-point offer is attractive on paper, but it requires a very high spending threshold. For the right person — especially a homeowner or someone with large planned expenses — it could be an excellent way to rack up points without paying an annual fee.

If you don’t think you’ll comfortably hit the $12,000 spend, you may be better off pursuing another card with a lower spend requirement and a similar or even higher effective bonus value.

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Final Thoughts

The Mesa credit card is an interesting niche option, especially for those who spend a lot on home-related categories and can take advantage of the lifestyle credits. For frequent travelers, the airline partners and travel portal redemption rates can add real value. But for everyday users without large expenses lined up, the steep $12,000 spend hurdle makes this a tough bonus to chase.