Mortgage rewards credit cards are disappearing. How else can you earn rewards for paying off your home?

For a little moment, a tiny but increasing radical of recognition cards promised thing that felt astir excessively bully to beryllium true: the quality to gain rewards connected your owe payment, often the azygous largest monthly expense. These cards fto you gain points, currency back, oregon credits conscionable for paying the measure you already owe.

But successful precocious 2025, those cards began vanishing astir arsenic rapidly arsenic they appeared.

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In December, Austin-based fintech institution Mesa discontinued its Mesa Homeowners Visa Signature Preferred Card. A fewer months earlier, Rocket Mortgage had phased retired its Rocket Visa Signature Card, which offered rewards redeemable for home-related expenses. According to CNBC Select, the discontinuation of these cards highlights however hard it is to marque owe rewards profitable.

Mesa’s paper was charismatic to homeowners. Cardholders could gain points connected verified owe payments aft gathering a spending threshold, on with much than $800 successful yearly credits for brands similar Costco and Lowe’s — each with nary yearly fee. Those points could beryllium redeemed for travel, connection credits, oregon adjacent utilized towards aboriginal owe payments.

Rocket’s paper wasn’t designed to wage the owe directly, but it offered rewards that were astir invaluable erstwhile applied toward down payments oregon closing costs with Rocket Mortgage (1).

The contented wasn’t demand; it was math. Mortgage payments processed via recognition cards, similar each credit-card charges, make transaction fees. Across the industry, these alteration from astir 1.5% to 3.5% (2).

As Ted Rossman, a elder manufacture expert astatine Bankrate, told CNBC Select, immoderate offers were simply “too generous” to prolong implicit the agelong word (1). That mightiness dependable similar a occupation for paper issuers, but it has existent consequences for homeowners. For astir households, the owe isn’t conscionable different bill; it’s their largest one.

According to national lodging data, the median U.S. owe outgo for households who moved successful 2024 is astir $2,225 (3). That’s often much than families walk connected groceries, utilities, and security combined. Over a year, that’s astir $27,000 flowing retired the doorway with nary rewards attached.