Core Concept - Mesa Points is a loyalty program designed for homeowners, allowing them to earn points on mortgage payments, home-related purchases, and everyday spending, with flexible redemption options [4][5][53] Group 1: Program Overview - Mesa Points is primarily linked to the Mesa Homeowners Card, which rewards homeowners for various spending categories [4] - The program allows points to be earned on mortgage payments, groceries, gas, and other home-related expenses [4][22] - Points can be redeemed for flights, hotels, mortgage credits, gift cards, and statement credits, providing versatility for users [4][26][53] Group 2: Earning Points - Users can earn points through multiple avenues, including using the Mesa Homeowners Card and referring friends [15][25] - The Mesa card offers a welcome bonus for new cardholders, enhancing initial points accumulation [16] - Points earning structure includes 3x points on home and family expenses, 2x points on everyday expenses, and 1x point on mortgage payments [22][24] Group 3: Redemption Options - Mesa Points can be redeemed for mortgage credits at a value of 0.8 cents per point, which is convenient for homeowners [29][55] - Points can also be transferred to airline partners, potentially yielding higher values, especially for premium cabin flights [32][55] - The travel portal allows booking flights and hotels directly, typically offering a value of around 1.25 cents per point [46][55] Group 4: Comparison with Other Programs - Mesa Points is unique in allowing direct mortgage redemptions, unlike competitors such as Bilt Rewards and Chase Ultimate Rewards [49][50][52] - While Chase offers broader transfer networks, Mesa Points specifically targets homeowners, providing tailored rewards for their spending [50][52] Group 5: Additional Features - Mesa Points do not expire as long as the account remains active, ensuring long-term value for users [47] - The program includes various credits and perks, such as annual credits with Thumbtack, Lowe's, and Wag! [22][24]

While rewards points are a big incentive for airlines , grocery stores and credit card companies , they're not something you typically see folded into your everyday bills. That could be changing, though, as the country's largest mortgage lender has teamed with the Bilt loyalty program to reward people for paying on time. Starting in early 2026, customers who have a mortgage held by United Wholesale Mortgage (UWM) will be able to earn Bilt points with each on-time payment. UWM invested in Bilt in July, whi ...