If you are a traveler – and a homeowner – looking to get the most value out of your credit card rewards, Mesa Points could be a game changer.

It is the first rewards program designed specifically for homeowners, offering points on mortgage payments, property taxes, home improvements, and daily essentials – without an annual fee.

Mesa stands out by rewarding the costs of homeownership that other cards ignore. You can earn up to 100,000 points per year on mortgage payments alone, plus bonus points on groceries, gas, and home-related spending.

Through the Mesa Mortgage Marketplace, you can even earn 1% back in points when you close a new loan.

But the real value comes from the ability to access an ever growing list of Mesa Points transfer partners. With airline and hotel transfer options now available, your home expenses can fund premium flights and luxury stays.

If you want to turn your largest monthly bills into unforgettable travel, Mesa Points transfer partners are the key to making it happen.

Let’s dive into how to unlock the full potential of your Mesa Points.

What Is A Transfer Partner?

A transfer partner is an airline or hotel loyalty program that lets you move points from the rewards system of your credit card into their program.

Instead of redeeming points for home upgrades or mortgage payments, you can transfer them to a partner program, like Air India Maharaja Club, Finnair Plus (Avios), or Accor Live Limitless, and then use those points for flights, hotel stays, or other travel perks.

The main benefit?

More flexibility and potentially better value.

Transfer partners often offer redemption rates that far exceed the value you would get by booking travel through a travel portal.

By transferring points, you can access award charts, promotions, and exclusive deals from these programs, sometimes resulting in luxurious Business Class flights or high-end hotel stays for fewer points than expected.

Mesa Points Transfer Partners

Mesa has partnered with several well-known airlines and hotels, making it easier for you to find a program that matches your travel plans.

Points typically transfer at a 1:1 ratio, meaning for every Mesa Points you transfer, you get one point in the airline or hotel program. However, there are some notable exceptions.

Here is the current list of Mesa Points transfer partners:

Airline Partners

• Aeromexico Rewards (1:1 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air India Maharaja Club (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Finnair Plus (1:1 ratio)
• Hainan Airlines Fortune Wings Club (1:1 ratio)
• SAS EuroBonus (1:1 ratio)
• Thai Airways Royal Orchid Plus (1:1 ratio)
• Vietnam Airlines LotusMiles (1:1 ratio)

Hotel Partners

• Accor Live Limitless (3:2 ratio)

Note: You must transfer points in 1,000 point increments and there is a 1,000 point minimum transfer threshold. 

Whether you are looking to book a luxurious hotel stay or snag a hard-to-find award flight, the list of transfer partners with Mesa provides plenty of opportunities to use your points strategically to maximize value.

How Long Do Mesa Points Transfers Take

Transfer times vary depending on the partner, but most transfers are relatively quick. Here is a general guide on how long you can expect each transfer to take:

• Airline Instant Transfers: Aeromexico, Air Canada, Air India, Cathay Pacific, Finnair, Hainan Airlines, SAS, Thai Airways, Vietnam Airlines
• Hotel Instant Transfers: Accor

Note: Mesa Points are new to the world of travel transfer partners, and the program is still evolving. Because of this, transfer times and point processing speeds have not yet been widely reported. If you are planning a time-sensitive booking, it is a good idea to allow extra time for the transfer to complete or have a backup plan in place. As the program matures, we expect more data to become available on transfer reliability and speed.

Key Things To Watch Out For When Transferring Points

Before you jump into transferring your Mesa Points to a travel partner, there are a few important things to keep in mind.

While transferring points can offer incredible value, there are potential pitfalls that could reduce the benefit of your hard-earned rewards.

To make sure you are getting the most out of your points and avoid any costly mistakes, here are some key factors to watch out for during the transfer process:

• Transfers Are One-Way. Once you transfer your Mesa Points to a travel partner, the transaction is final and cannot be reversed, so be sure of your decision before completing the transfer.
• Bank And Loyalty Account Names Must Match. Make sure the name on your Mesa Points account matches the name on your loyalty program account, as any discrepancies could cause delays or prevent the transfer from going through.
• Transfers To A New Loyalty Account May Take Longer. If you have just opened a new loyalty account with an airline or hotel, transfers may take longer to process, so plan ahead to avoid delays in booking your rewards travel.
• Multiple Transfers May Increase Transfer Time. If you make multiple transfer requests to the same loyalty account within a short time frame, the processing may slow down, so it is best to avoid rapid consecutive transfers.
• Transfer Times May Vary. Transfer times can vary, even when sending points to the same loyalty account, so it is a good idea to allow extra time (when possible) in case your points do not appear immediately.

How To Earn Mesa Points

You can earn Mesa Points by spending in key bonus categories, through welcome offers, special promotions, and referrals with various credit cards such as:

• Mesa Homeowners Card

The Mesa Mortgage Marketplace

The Mesa Homeowners Card is not the only way Mesa helps you earn rewards. Mesa also offers the Mesa Mortgage Marketplace, a platform designed to make one of your biggest financial decisions – your mortgage – more affordable and rewarding.

Here is how the Mesa Mortgage Marketplace works:

• Compare Loan Offers: Use the platform to connect with multiple lenders and brokers to find competitive rates and terms that fit your needs.
• Earn Rewards on New Loans: When you close a loan through Mesa, you earn 1x Mesa Points for every $1 of your loan amount. For example, closing a $400,000 mortgage would earn you 400,000 Mesa Points.
• Flexible Redemptions: Once you earn your Mesa Points, you can use them for travel bookings, gift cards, mortgage statement credits, or even to cover new loan closing costs.

Final Thoughts

Mesa Points transfer partners are opening up exciting new possibilities for homeowners who want to turn their everyday spending – and even their mortgage payments – into unforgettable travel experiences.

By taking advantage of the growing list of Mesa airline and hotel partners, you can stretch your points further and unlock premium redemptions.

Whether it is a Business Class flight to Asia or a five-star hotel stay, Mesa makes it possible to elevate your travel without extra out-of-pocket costs.

To maximize your rewards, get familiar with the transfer process, allow extra time for transfers since the system is still new, and be strategic with how you earn and redeem your points.

With the right approach, Mesa Points can take you farther than you ever thought possible.

If you have any questions after reading this guide, feel free to Join Our Free Community and ask our experienced members. Many have already used programs like Mesa and can share real-world tips and advice.

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Kevin Zanes