Frequent Miler on the Air Aftermath of the major Mesa mess | Coffee Break Ep82 | 12-16-25
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Dec 16, 2025 The abrupt closure of the Mesa Homeowners card left many surprised, especially after new partnerships. Discussions unfold about user impacts, with transaction declines and lost points topping the list. The hosts dissect the appealing features of the card and ponder the risks of banking points in untested programs. They also delve into the contrasting models of Rove Miles and Bilt, suggesting caution and prioritization when dealing with fragile points. Practical takeaways abound as they emphasize the balance between chasing great deals and being wary of unproven rewards.
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Sudden Mesa Account Shutdown
- Mesa abruptly closed all Mesa Homeowners credit card accounts with no warning and left points inaccessible for many users.
- Some users briefly cashed out at poor value or found short-lived transfer workarounds before access was cut off entirely.
Users Faced Poor Cashouts And Pending Points
- Some Mesa users cashed out immediately but received poor value (about 0.6 cents per point) while many others had pending points that may never post.
- Mesa's communication after the closure was sparse, leaving users uncertain about future recourse.
How The Mesa Card Worked
- The Mesa Homeowners card awarded 1 point per dollar on mortgage amounts (up to $100k/year) plus 3X and 2X categories and had no annual fee.
- Its transfer partners and categories made it attractive even to those without mortgages.