5 things to know about Mesa -House Owners -Cort

For many Americans, housing costs take the biggest bite out of their monthly budgets. $ 0-yearly fee Mesa homeowners card Offers rewards on mortgage payments and other expenses that homeowners know too well, such as improving home improvements and maintenance, interior design, utilities, insurance and more.

Here are five things to know about the Mesa -House Owners -the card.

You earn a Mesa point per $ 1 spent on your mortgage payment. You can earn a maximum of 100,000 points per Calendar year in this category, which would contain monthly payments of up to $ 8,333. You have to earn $ 1,000 in qualifying purchases each month to earn rewards on your mortgage payments.

You don’t actually use the credit card to pay your priority loan. Instead, connect the bank account (from where you make mortgage payments) to the Mesa app. Mesa recognizes your payments and rewards you accordingly.

In addition to rewards at mortgage payments you also earn:

• 3 MESA points per $ 1 on home-related expenses that include home decor, home improvement and maintenance, main contractors, cable and streaming services, housing insurance, property taxes, telecommunications services and tools.

• 2 MESA points per $ 1 on groceries, gas and electric vehicle charging. Purchase of groceries in stock clubs and large cash shops are excluded.

• 1 Mesa Point per $ 1 on all other purchases.

Note that from this writing, Mesa House Owners charge a April over 25%. If you put large purchases on your card, as a space with new furniture or a large housing repair, you will make sure you pay these purchases before the monthly due date. Otherwise, the interest payments you owe will quickly wipe out the value of the rewards you earn.

Cash in your rewards in the Mesa app for statements, gift cards and travel. You may need to redeem a minimum amount or are limited to redeeming up to a maximum amount, depending on how you use your rewards.

Point values ​​may vary depending on which redemption option you choose.

Although there is no enrollment bonus, card holders can get more than $ 800 in value in the form of specific statements:

• $ 65 per Years against an eligible retail membership, such as Sam’s Club.

• $ 200 per Years of home maintenance services booked through thumbtack.

• $ 120 per Years for pet care services through WAG! – These include hiking, pet side and boarding overnight.

• $ 120 per Years for purchasing pet food and subscriptions from the farmer’s dog.

• $ 100 credit to your first claim of home warranty through Armadillo.

• $ 100 gift cards for Cosy Earth, a grocery store selling ethically produced bedding and loungewear.

• $ 100 home improvement credit.

If you are already making purchases from these specific merchants, it is easier to get additional value out of Mesa -House owner’s card. But such “coupon book” credit card benefits often require you to spend a lot of money to save some money. For example, pet food from the farmer’s dog can cost hundreds of dollars a month. (And if you don’t have a pet, it’s $ 240 in annual credits that are useless for you.)

You can’t earn points on more than one priority loan. If you own multiple houses and make more than a mortgage payment from the same account, Mesa will only award points for the largest monthly mortgage payment.