Mesa Homeowners
Celtic BankNo annual feeVisa Signature PreferredNo foreign transaction fee
Not open to new applicants.
Already have it? Keep it open: it holds a perk or an upgrade path at no cost.
No longer offered
This card has been retired. The details below are kept for reference.
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Big Boxof $65 face value | +$46 |
| Annual fee | $0 |
| First year | $46 |
| Each year after | +$46 |
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery Stores | 0% |
| 2X | Gas Stations | 0% |
| 3X | Home improvement stores | 0% |
| 3X | Select streaming services | 0% |
| 1X | Everything else | 0% |
+ 11 more rates
| Rate | Category | Return |
|---|---|---|
| 3X | Cable | 0% |
| 3X | Daycare | 0% |
| 3X | Home decor | 0% |
| 3X | Home insurance | 0% |
| 3X | Maintenance | 0% |
| 3X | Phone services | 0% |
| 3X | Property taxes | 0% |
| 3X | Utilities | 0% |
| 2X | EV charging | 0% |
| 1X | Mortgage paymentsonly if $1K in non-mortgage spending is completed monthly | 0% |
| 3X | General contractors | 0% |
Noteworthy perks
- Big Box$65 a year
Personal card · Earns Mesa Points
Benefits
Credits & Perks (7)
- Big Box: $65 (Annual Calendar Year)
Complimentary membership credit toward Costco, Sam's Club, or BJ's
- Thumbtack: $200 (Annual Calendar Year)
Home maintenance credits, up to $25 per job
- Lowe's: $30 (Quarterly Calendar Year)
Statement credits for Lowe's purchases
- The Farmer's Dog: $10 (Monthly)
Credits for pet food purchases
- Wag!: $10 (Monthly)
Credits for pet care services
- Cozy Earth: $100 (One Time)
Gift cards for home essentials and bedding
- Armadillo Home Warranty: $100 (One Time)
Credits toward home warranty deductible
Other Perks
- Earn points on mortgage payments with no fee if $1K in non-mortgage spending is met monthly
- Transfer partners include Aeromexico, Air Canada Aeroplan, Air India, Cathay Pacific, Finnair, Hainan Airlines, SAS EuroBonus, Thai Airways, Vietnam Airlines (1:1), and Accor Live Limitless (3:2)
- Redeem points at 1.0¢ for travel portal bookings, ~0.75¢ for gift cards, and 0.5¢ for statement credits
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.