Mesa Homeowners
Celtic Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Celtic Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Mesa Homeowners from Celtic Bank earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2% back.
What does the Mesa Homeowners earn in each category?
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Mesa Homeowners compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight furniture at 3x among the top bonus categories.
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Mesa Homeowners compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 2% back | 2% Top category |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Mesa Homeowners reward caps and conditions?
The Mesa Homeowners has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2X Mesa Points on gas and EV charging
- 2X Mesa Points on groceries
Who should get the Mesa Homeowners?
The Mesa Homeowners fits spenders who put meaningful volume in grocery and can earn 2% back. Best for spenders who put meaningful volume in grocery and can earn 2% back.
Mesa Homeowners fits spenders who put meaningful volume in grocery and can earn 2% back. Madeen ranks its grocery effective rate higher than about 69% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Mesa Homeowners have an annual fee?
The Mesa Homeowners has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Mesa Homeowners?
The Mesa Homeowners includes Armadillo Home Warranty Credit, Big Box Membership, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Thumbtack Credit
$200/yr$200 annual Thumbtack Credit – Hire trusted pros for home projects
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Lowe's Credit
$120/yr$120 annual Lowe's Credit – Upgrade and maintain your home
The Farmer's Dog Credit
$120/yr$120 annual The Farmer's Dog Credit – Fresh, healthy meals for your pup
Wag! Credit
$120/yr$120 annual Wag! Credit – On-demand pet care at your fingertips
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Armadillo Home Warranty Credit
$100/yr$100 Armadillo Home Warranty Credit – Protect your home from unexpected repairs
Cozy Earth Credit
$100/yr$100 Cozy Earth Credit – Indulge in premium, sustainable bedding
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Related encyclopedia topics
- Visa
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
- Universal Destinations & Experiences
Common questions about the Mesa Homeowners
Where do cardholders spend most with the Mesa Homeowners?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on furniture (3x), hardware (3x), other home improvement (3x) for the Mesa Homeowners. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Mesa Homeowners have an annual fee?
The Mesa Homeowners carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Mesa Homeowners?
Grocery is the strongest Madeen category for the Mesa Homeowners at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Mesa Homeowners charge foreign transaction fees?
The Mesa Homeowners does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Mesa Homeowners?
Madeen's catalog lists a typical credit range of Good to Excellent for the Mesa Homeowners. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Mesa Homeowners?
Rewards on the Mesa Homeowners post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Mesa Homeowners compare to similar cards?
Compare the Mesa Homeowners against KrowdFit Wellness Rewards Mastercard (2% on Grocery, $0 fee); Fasten Rewards™ Visa (1% on Dining, $0 fee); Indigo Mastercard (0% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Mesa Homeowners This card | Grocery | 2% | $0 |
Celtic Bank | Grocery | 2% | $0 |
Celtic Bank | Dining | 1% | $0 |
Celtic Bank | Dining | 0% | $99 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Celtic Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Celtic Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure