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MGM Rewards Mastercard®

BestCards Team

| Last updated on October 18th, 2023

MGM Rewards Mastercard®

MGM Rewards Mastercard®
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

MGM Rewards Mastercard®

  • 24.99% variable based on the Prime Rate Regular Purchase APR
  • 24.99% variable based on the Prime Rate Balance Transfer APR
  • 24.99% variable based on the Prime Rate Cash Advance APR

At a Glance

Fans of MGM Resorts and casinos will be lining up to apply for the MGM Rewards Mastercard®, which allows you to turn everyday purchases into MGM Rewards Points that can be redeemed for use on hotel room stays, dining and entertainment at participating MGM Resorts. Earn up to 3x points and Tier Credits for every dollar you spend with your card, and enjoy an introductory bonus of 10,000 points when you make qualifying purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 10,000 points when you spend $1,000 in the first 3 billing cycles
  • 3X points and tier credits per $1 spent at M life Rewards Destinations
  • 2X points and tier credits per $1 spent on gas and supermarket purchases, 1x points and tier credits per $1 spent everywhere else
  • Automatic upgrade to Pearl Level status, priority hotel check-in at M life Resorts, and more
  • Regular Purchase APR: 24.99% variable based on the Prime Rate
  • Balance Transfer APR: 24.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • You will spend $1,000 in the first three billing cycles after opening an account to earn an introductory bonus
  • You want a card with no annual fees and no foreign transaction fees
  • You will take advantage of benefits like priority hotel check-in, automatic Pearl Level Status
  • You're fans of MGM Resorts and MGM Resorts and plan to book stays frequently

MGM Rewards Mastercard® Review

The MGM Rewards Mastercard® is a co-branded hotel credit card which emphasizes perks that are reminiscent of a Vegas show. Featuring benefits that will razzle dazzle cardholders, this card offers points that can be redeemed for free entertainment, rooms, and dining at multiple resorts. Additional perks include an automatic upgrade up to Pearl Level Status and no annual or foreign transaction fees. Points can be earned in the ways outlined below.

The Sign-up Bonus

New cardholders will earn an exclusive bonus of 25,000 Points when they use their card to spend $5,000 within the first six billing cycles of opening their account.

Reward Points & Redemption

The MGM Rewards Mastercard® boasts a standard rewards bonus structure, rewarding cardholders for making purchases within several categories. The highest number of rewards points are earned for spending directly with MGM Rewards Destinations at more than thirty properties worldwide in cities like Las Vegas, Detroit, and more.

  • Earn 3x Points and Tier Credits per $1 spent at MGM Rewards Destinations
  • Earn 2x Points and Tier Credits for every $1 you spend on gas and supermarket purchases
  • Earn 1x Point and Tier Credit per $1 spent everywhere else – turn everyday spending into elevated experiences with your card

Rewards points do not expire as long as you continue to use your MGM Rewards Mastercard. Points are redeemed for FREEPLAY and Express Comps for use on rooms, dining and entertainment. FREEPLAY promotions allow you to play the slot machines for free – it’s similar to electronic cash that you can use to play the slots you love. Express Comps allow you to redeem your points for complimentary hotel accommodations, dining and entertainment, MGM Rewards Moments and much more at any MGM Rewards destination.

Additional Benefits

Approval for the MGM Rewards Mastercard® bestows automatic Pearl Level Status in the M life Rewards program to cardholders. Benefits from Pearl status include complimentary self-parking at Las Vegas resorts, a buffet line pass at Las Vegas Resorts, and a 10% bonus on Points and Express Comps for your gaming spend.

You must be at least 21 years old and an MGM Rewards member in good standing to be eligible for the MGM Rewards Mastercard®. You must be 18 years old to be eligible for a credit card.

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Should You Apply for the MGM Rewards Mastercard®?

The MGM Rewards Mastercard® is a resort-centric hotel rewards card that provides great value to both fans of MGM properties and Las Vegas in general. Cardholders earn decent rewards points and MGM Tier credits with every purchase – all of which apply to a host of MGM rewards, such as comps, dining options at resorts, gaming credits, and more.

The MGM program benefits from the huge selection of properties in the MGM portfolio, including a dozen casinos and resorts in Las Vegas, with many lining the famous Strip. With complimentary Pearl Level benefits, cardholders don’t have to worry about paying to park – or about where to park themselves once they get into the resort, as they’ll receive one complimentary buffet line pass with their membership. And, once they’ve filled their stomachs, they’ll enjoy an additional 10% earning on gaming with their MGM Rewards Mastercard® – not too shabby.

Overall, the MGM Rewards Mastercard® is a great option for those who love Sin City, live near an MGM resort they frequent often, or are simply looking to save up for a “treat yourself” getaway or spa experience now and then. No annual fee, no foreign transaction fees, and a raft of solid benefits and perks make this stylish card a strong contender for the top casino credit card today.

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