Terms & Conditions
Effective Date: September 9, 2025
These Terms & Conditions (“Terms”) govern the Mesa Spend Bonus Referral Offer (the “Offer”). By participating, you agree to these Terms in addition to the Mesa Rewards Program Terms & Conditions and your Cardholder Agreement.
1. Eligibility
This Offer is available only to existing Mesa cardmembers in good standing, defined as accounts that are open, not past due, not in default, and not otherwise restricted.
2. Offer Structure
Standard Referral Bonus: Cardmembers earn 5,000 Mesa Points for each successful referral, up to 10,000 Mesa Points for two (2) successful referrals.
Spend Bonus: After two (2) successful referrals, cardmembers may unlock the Spend Bonus offer.
Spend Bonus Value: 50,000 Mesa Points for spending $10,000 or more in eligible net purchases within 90 days of activating the offer.
Maximum Total Bonus: 60,000 Mesa Points (10,000 from referrals + 50,000 from spend bonus).
3. How to Participate
1. Refer two (2) new customers who are approved for a Mesa Homeowners Card and complete their first purchase.
2. Once both referrals are complete, the Spend Bonus offer will unlock in your Mesa app.
3. You must manually activate the Spend Bonus within the Mesa app to begin your 90-day spend period. The spend period does not begin automatically, and activation confirmation will be displayed in the app.Track your progress in the app’s Spend Tracker.
4. Spend must be completed within 90 days of activation.
4. Qualifying Purchases
Eligible purchases include net purchases made with your Mesa card, less any returns, credits, or adjustments.
The following do not count toward the spend requirement: balance transfers, cash advances, ATM withdrawals, fees, online or in-person betting or the purchase of chips used for gambling, money orders, traveler’s checks, person-to-person transfers, cash equivalents, fees, or interest charges.
5. Bonus Fulfillment
If requirements are met, 50,000 Mesa Points will be awarded at the close of the billing cycle in which the spend requirement is achieved.
Standard referral bonuses (5,000 points per referral) are awarded after each referred account is approved and completes their first purchase.
Bonus points may take up to 6–8 weeks to post under normal circumstances; delays may occur in rare cases.
6. Additional Terms
If you close your account or if referrals are found to be fraudulent, bonus eligibility may be revoked.
Mesa reserves the right to modify or cancel the Offer at any time in cases of fraud, abuse, or circumstances beyond Mesa’s control. Changes will not affect cardmembers who have already activated and are within their 90-day spend period.
The Offer is non-transferable and may not be combined with other promotional offers.
Your participation in or activation of this offer constitutes acceptance of these terms.
7. Governing Law and Dispute Resolution
This Offer and any disputes arising hereunder are governed by your Cardholder Agreement, including its arbitration and governing law provisions.
