Mesamember Knowledge Base

What are the interest rates through Mesa Mortgage?

Published July 9th, 2025 by Anika Bushra

Interest rates and loan terms vary based on individual circumstances and market conditions. Our loan experts will provide you with personalized rate information after reviewing your inquiry and financial profile.

How can I get a quote from Mesa Mortgage?

Published July 9th, 2025 by Anika Bushra

To receive a quote, simply complete our inquiry form with your details. A licensed loan expert from the Mesa Mortgage team will contact you directly to discuss your mortgage options and provide a customized quote.

Where can I redeem Mesa Points?

Published July 9th, 2025 by Anika Bushra

Mesa Points can be redeemed for Gift Cards or to book Travel within the Mesa app.Coming soon, you will also be able to transfer Mesa Points to airline and hotel partner programs.

Mesamember Glossary

Published July 9th, 2025 by Anika Bushra

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Account Deletion

Published July 9th, 2025 by Anika Bushra

If you would like to delete your Mesa account, please follow the steps below: Email Request: Submit a request here or send an email to our support team at support@mesamember.com with the subject line "Account Deletion Request". Include Necessary Information: Your full name used on the account The email address associated with the account A brief mes

How do I earn Mesa Points?

Published July 9th, 2025 by Anika Bushra

Earn 1X Mesa Points per $1 on the principal amount of your loan when you take out a new mortgage or refinance through a lender or broker in The Mesa Mortgage Marketplace. Earn elevated Mesa Points by leveraging offers with partners in The Mesa Homeowners Network. Stay tuned for even more ways to earn. *Mesa is not a mortgage lender or mortgage broke

Where can I download the Mesa App?

Published July 9th, 2025 by Anika Bushra

The Mesa App is currently only available in the App Store for iOS devices and the Google Play store for Android.

Where is Mesa Mortgage available?

Published July 9th, 2025 by Anika Bushra

Mesa Mortgage is currently available in select U.S. states, please check mesamember.com/mortgage for the most up to date information. We are actively expanding and look forward to offering services in additional states soon. Please check back regularly for updates to our service areas.

Where can I see my payment amount due or statement closure date?

Published July 9th, 2025 by Anika Bushra

Your current balance is displayed at the top of your screen on the card tab in-app or online as well as additional balance information being available when you tap Pay. The most recent statement details are available in your pdf statement as well.

I'd like to report my card lost, stolen, or damaged and get a replacement

Published July 9th, 2025 by Anika Bushra

We’re sorry to hear about the issue with your card and apologize for any inconvenience this may have caused. We are happy to assist you in getting a replacement card issued. If your card is lost, you can temporarily freeze your card directly in the app. To process your request, please confirm the following details to support@mesamember.com: The reas

I'd like to report fraud, misuse, or other suspicious activity on my card or account

Published July 9th, 2025 by Anika Bushra

We're sorry to hear you noticed suspicious activity on your account. Your security is our top priority. Upon sending a note to support@mesamember.com we will begin an investigation by reviewing your recent account activity and provide some options to help keep your account secure. In the meantime if you suspect fraud or misuse of your card, you can

Do my Mesa Points expire?

Published July 9th, 2025 by Anika Bushra

We're happy to confirm that Mesa Points do not expire and you can redeem them at any time. If you are having trouble redeeming your Mesa Points, please let us know and we can guide you through the process.

I'd like to use my Mesa Homeowners card for a cash advance

Published July 9th, 2025 by Anika Bushra

We do not offer cash advances on the product at this time.

My payment didn't post

Published July 9th, 2025 by Anika Bushra

We're sorry to hear that your payment has not been posted to your account yet. To help us investigate the issue, could you please provide the following details: - The date and amount of the payment you made- Any transaction reference or confirmation number you received. Once we have this information, we'll look into the status of your payment and en

I received a late payment fee, what can I do?

Published July 9th, 2025 by Anika Bushra

At this time, we’re unable to offer any waiving of late fees. For additional information regarding late fees, please refer to your Cardholder Agreement in-app or online.

Does the Mesa Homeowners card have any foreign transaction fees?

Published July 9th, 2025 by Anika Bushra

we're happy to confirm that the Mesa Homeowners Card does not have any foreign transaction fees, so you can continue to use your card for purchases internationally.

Do I need a PIN code for my Mesa Homeowners Card?

Published July 9th, 2025 by Anika Bushra

PIN codes are not needed for the Mesa Homeowners Card at this time.

My Mesa Homeowners Card has expired, what do I do?

Published July 9th, 2025 by Anika Bushra

If new card has already been ordered / is in transit: Your new card is typically mailed before your current card expires. I can see that your new card has been printed and is in process of being delivered to you. You should receive your card within 5-7 business days and you’ll be able to activate it directly in-app or online. If new card has been de

I'd like to report a merchant issue

Published July 9th, 2025 by Anika Bushra

If you are having issues with an individual merchant, we suggest reaching out to the merchant directly to resolve your transaction or recurring subscription. If you require further assistance, please let us know at support@mesamember.com

Where can I redeem rewards?

Published July 9th, 2025 by Anika Bushra

You can easily redeem your Mesa Points through the Mesa App by tapping the rewards tab in-app or online and selecting Book Travel, Gift Cards. or Statement Credits. However, if you'd prefer assistance, we'd be happy to help you with the redemption process. You can always reference the Rewards Terms of Use directly in-app or online as well.

I was Notified of a Fraud Alert on my Application

Published July 9th, 2025 by Anika Bushra

We will be contacting you at the number which was provided with the fraud alert to verify the information which was submitted on the application correlated to your identity. Expect a call within 3 business days to validate this information. If we are unable to verify the information which was submitted on your application to what is provided over th

Need help with or need to dispute a transaction?

Published July 9th, 2025 by Anika Bushra

Please fill out the Dispute a Transaction Form for assistance with a dispute or multiple disputes. If you need immediate assistance, please contact support@mesamember.com. Please provide us with the details as to the issue with your transaction in your message.

I noticed a reoccurring charge on my account I didn't allow

Published July 9th, 2025 by Anika Bushra

If you are noticing recurring charges on your account that are not approved, we suggest reaching out to the merchant directly to cancel your account or recurring subscription. Otherwise, if you require further assistance, please let us know at support@mesamember.com

My transaction was just declined

Published July 9th, 2025 by Anika Bushra

We apologize for any inconvenience the declined transaction may have caused. Please send us details on the declined transaction so we can best assist at support@mesamember.com

Where can I view my transaction history?

Published July 9th, 2025 by Anika Bushra

All recent transactions are available in the app on the card tab. If you need a detailed list of your transaction history, you can refer to your monthly credit card statement. To receive your monthly statement credit, you can check statements in the card tab of the app.

What is my minimum payment due?

Published July 9th, 2025 by Anika Bushra

You can easily view your minimum payment amount directly in the app or on your statement. Tap the card tab and the minimum payment will be displayed on your main account screen or under the "Payments" section. Or tap "Statements" and select a statement which you're attempting to view. If you're having trouble finding it or need further assistance, f

I'd like to close my Mesa Homeowners Card

Published July 9th, 2025 by Anika Bushra

We're sorry to hear that you’re considering closing your Mesa Homeowners Card. Your satisfaction is incredibly important to us, and we’d love the opportunity to address any concerns or challenges you may have faced. If there’s anything we can do to improve your experience or encourage you to keep your account active, please don’t hesitate to let us

Do I need to set anything up for contactless pay?

Published July 9th, 2025 by Anika Bushra

Your Mesa Homeowners Card is contactless enabled and can be used for tap to pay where contactless payments are accepted.

I'd like to change my address on file

Published July 9th, 2025 by Anika Bushra

In order to update your address, you'll need to provide proof of address change for us to process your request. Please provide us with this documentation. Once confirmed, we will be able to update your account with your new address. Acceptable documents include a Passport, Drivers License, State Issued ID, Utility Bills, Lease or Rental Agreements,

Where can I see my current balance?

Published July 9th, 2025 by Anika Bushra

Your current balance is displayed at the top of your screen on the card tab in-app or online as well as additional balance information being available when you tap Pay. The most recent statement details are available in your pdf statement as well.

How do I set up Auto-pay?

Published July 9th, 2025 by Anika Bushra

You are able to set up autopay all within the app. Just tap on the card tab and go to Payments, and you can set up your recurring payment and autopay amounts.

I'm traveling soon and would like to use my card Internationally

Published July 9th, 2025 by Anika Bushra

The Mesa Homeowners Card does not have any international transactional fees. You are free to use your card internationally without additional charges or notification to us!

How should Mesa Cardmembers reach out for support? Does Mesa have a phone number?

Published July 9th, 2025 by Anika Bushra

We primarily service our Members via email at support@mesamember.com. At this time, current Mesa Cardmembers can also give us a call or text at 1 (866) 301-6372 for assistance with card or account related issues.

I applied for the Mesa Card and was notified that MESA/CB/HN/ALY inquired about my credit? What is that?

Published July 9th, 2025 by Anika Bushra

The trade line of MESA/CB/HN/ALY is what will appear when your credit is pulled in conjunction with an application for credit for the Mesa Homeowners Card. This is a combination of partners Mesa uses to run the program and appear so as such.

I'd like to request an increase or decrease in my credit limit

Published July 9th, 2025 by Anika Bushra

At this time, we're unable to support on-demand requests here. We do however perform a periodic review of all accounts to determine credit limits. We will review your account accordingly and respond back when and if a credit limit increase or decrease is to be applied.

I'd like to upgrade or downgrade my Mesa Homeowners Card

Published July 9th, 2025 by Anika Bushra

We do not offer any product upgrades or downgrades at this time.

I didn't receive my physical card yet

Published July 9th, 2025 by Anika Bushra

If you have not yet received your physical card, please allow up to 7 business days after application approval for delivery. If you still haven't received your card, send us a note at support@mesamember.com so that we can determine the best step forward.

Can I perform a balance transfer from another card to my Mesa Homeowners Card?

Published July 9th, 2025 by Anika Bushra

Unfortunately we are unable to offer balance transfers at this time.

I was Notified of a Credit Freeze on my Application

Published July 9th, 2025 by Anika Bushra

If you applied for the Mesa Homeowners Card and had your credit frozen, please unfreeze your credit then return to the Mesa app and tap that you have unfrozen your credit for us to be able to proceed with your application decision.

I'd like to report a billing discrepancy

Published July 9th, 2025 by Anika Bushra

If there has been a discrepancy on your billing statement, please provide us with additional details regarding the transaction and we can work directly with the merchant to resolve the issue at support@mesamember.com

Can I customize my Mesa Card?

Published July 9th, 2025 by Anika Bushra

At this time we do not offer any custom card designs.

Which Merchants are in the 3X Home and 2X Everyday Spend categories?

Published July 9th, 2025 by Anika Bushra

(last updated March 16, 2025) We are continuously updating the categories which are included in the Home and Everyday Spend categories to ensure we best support our Members and are able to reward spend appropriately. For additional detail on Mesa Points and how you can earn, please reference the: Mesa Homeowners Visa® Signature Preferred Cardholde

I'm having issues with the Mesa app or website

Published July 9th, 2025 by Anika Bushra

I'm sorry you're experiencing trouble with your Mesa App or web experience. I suggest closing out the app or website completely and restarting. If you are still experiencing issues, please send us a note at support@mesamember.com

What are the options to make a payment?

Published July 9th, 2025 by Anika Bushra

You can make payments directly through the Mesa App, online, or by mailing in a check along with the coupon to the address provided on your statement.

Will applying for the Mesa Homeowners Card impact my credit?

Published July 9th, 2025 by Anika Bushra

When applying for the Mesa Homeowners Card, we are required to pull your credit to determine eligibility for the program. Your credit score may be impacted as a result of inquiring for a new line of credit.

How can I shop securely online?

Published July 9th, 2025 by Anika Bushra

We recommend using your digital card via your digital wallet when possible for online shopping. If you need assistance adding your card to your digital wallet please let us know.

I'd like to add an authorized user to my account

Published July 9th, 2025 by Anika Bushra

At this time we do not offer Authorized Users however should we introduce this feature in the future, it will be made available directly in-app or online for use at time of application or afterwards post application.

How do I add my utilities to my Mesa Card if they only accept ACH Payment?

Published July 9th, 2025 by Anika Bushra

While many utility providers support payment via credit card, not all do. If your utility provider does not support a credit card as a valid method of payment, please feel free to reach out and request that they do so in the future to allow for the potential earning of Mesa Points.

What if me and my spouse both get the Mesa Card and want to be rewarded for our mortgage?

Published July 9th, 2025 by Anika Bushra

At this time, we only recognize one unique mortgage payment across all Mesa accounts. This allows us to make sure that each Mesa Member is awarded appropriately for their activity. Please reference the Rewards Terms of Use for any additional questions.

Is there an over limit fee?

Published July 9th, 2025 by Anika Bushra

Over limit fees do not apply to the Mesa Homeowners Card at this time.

What is the Mesa Homeowners Card?

Published July 9th, 2025 by Anika Bushra

The Mesa Homeowners Card is the first credit card designed for homeowners. With the Mesa Homeowners Card, you'll be able to earn Mesa Points on all of your eligible charges, including your monthly mortgage payments, homeowner related spend & on groceries, gas & EV charging. Learn more here.

What is the annual fee for the Mesa Homeowners Card?

Published July 9th, 2025 by Anika Bushra

We are happy to confirm that the Mesa Homeowners Card is a no annual membership fee card and does not require an annual payment.

Where can I activate my Mesa Card?

Published July 9th, 2025 by Anika Bushra

You can activate your new Mesa Homeowners Card directly in the Mesa App by navigating to the home screen and tapping the button to activate or on card tab when viewing your virtual card information. Please let us know if you require additional assistance with the process or if you are receiving an error when attempting to activate.

What types of home loans does Mesa Mortgage offer?

Published July 9th, 2025 by Anika Bushra

Mesa Mortgage offers a variety of loan products, including: Conventional Loans, FHA (Federal Housing Administration) Loans, VA (Veterans Affairs) Loans and Home Equity Lines of Credit (HELOCs)These options are available for both new home purchases and refinancing.

I would like to report an unauthorized transaction

Published July 9th, 2025 by Anika Bushra

We are sorry to hear there was an unauthorized transaction on your account. For next steps, please provide details regarding the unauthorized charge and we can begin investigation. A temporary credit may be issued while we resolve this. You'll receive updates as we work through a resolution. Please contact support@mesamember.com for further assistan

I was Notified to Upload Documents on my Application

Published July 9th, 2025 by Anika Bushra

If you have applied for the Mesa Homeowners Card and were asked to verify your identity by uploading documents, please do so directly in the Mesa app by providing the requested documents. You can tap Mesa Card, then Apply Now to return to application. Once you have uploaded your documents, then tap Verify Identity for us to be able to proceed with y

What are Mesa Points?

Published July 9th, 2025 by Anika Bushra

Mesa Points is our rewards currency. You can save up points or redeem for rewards in the app. Mesa Points do not expire.

Can I earn points on my monthly mortgage payments?

Published July 9th, 2025 by Anika Bushra

Mesa is a homeowners membership platform with multiple products. You're able to earn points on your mortgage with the Mesa Homeowners Card when you make at least $1,000 in eligible purchases per statement cycle. However, any mortgage payments recognized do not count towards the $1,000 in eligible purchases per statement cycle as they do not occur di

What is Mesa Mortgage?

Published July 9th, 2025 by Anika Bushra

Mesa Mortgage is a part of Mesa, the first homeowner membership platform that rewards you for owning a home. When you take out a new mortgage or refinance through Mesa Mortgage, you earn 1X Mesa Points per $1 on the principal amount of your loan.

I was Declined on my Application

Published July 9th, 2025 by Anika Bushra

In the event that your application was declined, you will receive an adverse action notification via the email which was supplied at the time of application notifying you as to the reason for the application being denied. If you have any additional questions please let us know.

I'd like a copy of my Statement

Published July 9th, 2025 by Anika Bushra

You can access and download your statements directly through the app where they are available for the past 24 months. If you need further assistance or have any additional questions, please feel free to reach out.

I'd like to submit a name change request

Published July 9th, 2025 by Anika Bushra

In order to update your name, you'll need to provide proof of a legal name change for us to process your request. Please provide this documentation. Once confirmed, we will be able to re-issue you a card with your updated name. Acceptable documents include a Passport, Drivers License, State Issued ID, or Marriage License. If we're unable to confirm

What's the APR for my Mesa Homeowners Card?

Published July 9th, 2025 by Anika Bushra

The standard APR for our program is 25.24%. We do not offer variable or promotional APR at this time.

My card seems to be blocked

Published July 9th, 2025 by Anika Bushra

We're sorry for any inconvenience this may have caused, let us look into why your card may have been blocked by sending a note to support@mesamember.com You can also freeze and unfreeze your card directly in-app or online by navigating to the Card tab then tapping the Card icon.