Credit Card News

Mesa Switches “Big Box Membership” Credit to Costco Only Perk

by Kyle BurbankSep 3, 2025

Mesa has made another update to its Homeowners Credit Card, highlighting Costco with one of the card’s credits.

About the Costco Update:

Those looking to buy in bulk and stock up on Kirkland Signature will be pleased with an updated Mesa Homeowners Card perk. Now, cardholders can get a credit of up to $65 toward a Costco membership. That’s enough to cover a basic Gold Star membership, although the credit will also apply toward a $130 Executive membership. This credit will also work regardless of whether customers are opening a new membership or renewing an existing one.

Mesa’s Costco credit replaces a similar but broader perk that the Homeowners Card has had since launch. Originally, customers could earn up to a $65 credit for “Big Box Memberships,” including Sam’s Club and BJ’s as well as Costco.

The adjustment is somewhat similar to one Mesa made earlier this year with a different benefit. When the Homeowners Card first launched, it included a $25 per quarter Home Improvement credit. However, in April, Mesa announced that it was partnering with Lowe’s to introduce a $30 per quarter credit for the retailer. This Lowe’s credit replaced the former Home Improvement credit for new cardholders.

More on the Mesa Homeowners Card:

The no-annual-fee Mesa Homeowners Card includes a number of unique perks and rewards. First, customers can earn points on their mortgage purchases (up to 100,000 points per year). However, cardholders don’t actually put their mortgage payments on the card. Instead, they can link the bank account they use for payments to Mesa. Then, after spending at least $1,000 per month on their card, they’ll earn 1 point per dollar spent on their mortgage.

As for other rewards, the Mesa Homeowners Card earns 3x points on home improvement purchases, utilities, and daycare. Plus, groceries, gas, and EV charging earn 2x points. All other purchases earn 1 point per dollar spent. These Mesa Points can then be redeemed for gift cards, mortgage payments, travel purchases, and more. Plus, Mesa now offers transfers to select airline and hotel programs.

Lastly, Mesa also features a line-up of credits for cardholders. In addition to the $65 per year Costco credit, customers can also earn up to $30 per quarter on Lowe’s purchases, up to $10 per month for The Farmer’s Dog, and up to $10 per month on eligible Wag purchases. Additionally, cardholders can get up to $25 back on jobs booked on Thumbtack (up to $200 per year).

My Thoughts:

When I first got the Mesa Homeowners card, I considered getting a Costco membership with the credit just because I could. However, I decided that waiting until my Sam’s Club membership renewed in December was a better use of the credit overall. Well, that may have been true — but, following this update, I’ve now gone ahead and opened a Costco account.

Seeing as Mesa previously grandfathered me into having both a Home Improvement credit and a Lowe’s credit (which saved me a bunch on my pole pruner and I tapped once again over the weekend), I am curious if my Sam’s renewal would still trigger the credit. That said, I doubt it since my app has updated to reflect Costco instead. C’est la vie.

While I could be annoyed that my plan didn’t work, honestly, I am pretty excited to now finally have a Costco membership — and for free. Plus, I’m hopeful that this means Mesa is partnering directly with Costco, which would theoretically make this feature more sustainable. At the end of the day, with the Mesa Homeowners card offering several credits for no annual fee, it’s still a pretty great deal, even if you no longer have quite as many big box options.

Author

Kyle Burbank

Head Writer ~ Fioney

Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

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