Mesa cardholders are facing disappointing news as the widely used credit card, known for its cash back and rewards tailored to home-related expenses, is officially ceasing operations. A message shared by travel expert Gary Leff has shed light on the abrupt closure, stating, “Mesa closed my account, and that of many readers. The option to transfer points to airline miles and hotel points is gone. The only redemption option left in the app appears to be redeeming for a statement credit at $0.006 per point. I cashed out my points,” he reported.
The company confirmed its shutdown through an announcement on its website. “Effective as of December 12, 2025, all Mesa Homeowners Card accounts will be closed. All credit cards have been deactivated, and you are no longer able to make any new purchases or earn Mesa Points,” the message read. Cardholders were advised to check their email for the official account closure notification.
For current Mesa cardholders, it’s prudent to follow Leff’s example and redeem any outstanding points while there is still time. Also recommended is keeping an eye on email updates from the company to stay informed about any developments. Personal finance expert Eric Rosenberg highlighted the importance of staying aware even during such closures. “While some cards may be closed when the issuer closes, you should still plan to make payments as usual unless you’re told otherwise in an official communication,” he noted. Rosenberg further advised cardholders to monitor their mail and inboxes for information about their account status, particularly regarding payment details.
Mesa was initially launched to cater specifically to homeowners, designed to maximize rewards on significant monthly expenses like mortgage payments. The card promised a range of incentives, including cash back on mortgage payments and rewards for home-related expenses such as HOA fees, utilities, and even everyday purchases like gas and groceries. In a 2024 press release, Mesa articulated its mission: “The card provides rewards points on mortgage payments, as well as homeowner-related expenses.”
Kelley Halpin, the founder and CEO of Mesa, emphasized that the rewards structure was intentionally more generous toward typical expenses associated with homeownership. Users could earn rewards in various categories—1x points on mortgage payments, 2x on gas and groceries, and 3x for home services—all redeemable for a variety of benefits such as cashback, travel, or credits toward mortgage payments.
As the closure approaches, the end of an era for Mesa cardholders signifies a significant shift in how they will handle their home-related expenses moving forward.
