For People Serious About Fun

With the MGM Rewards Mastercard, you can turn everyday purchases into elevated experiences by earning MGM Rewards Points that can be redeemed for FREEPLAY, and MGM Rewards Points for use on rooms, dining and entertainment.


Hotel Check-in


Awarded as Points when you spend $1,000 in the first 3 billing cycles after your account is opened1


Annual Fee2 and no Foreign Transaction Fees2

Serious about turning everyday purchases into OMG experiences

Earn Points & Tier Credits For Everyday Spend

3X - Points & Tier Credits per $1 spent at MGM Rewards Destinations Nationwide1

2X - Points & Tier Credits per $1 spent on gas and at supermarkets1

1X - Points & Tier Credits per $1 spent everywhere else1

Points won’t expire as long as you continue to use your MGM Rewards Mastercard.


Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.

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 at least 18 years old to be eligible for a credit card. To apply for a First National Bank of Omaha Platinum Edition ® Mastercard without rewards, please visit

Serious about bumping you to the front of the line

Pearl Benefits

With the MGM Rewards Mastercard get automatically upgraded to Pearl Status3.

10% Bonus on points earned playing slots AND extended expiration.

Maintain Pearl status as long as your MGM Rewards Mastercard remains active.

FREE Parking

Enjoy complimentary self-parking at any Las Vegas resorts.

Continue saving with exclusive MGM Rewards Member Discounts at participating retail shops (exclusions apply).

Priority Hotel Check-in

With the MGM Rewards Mastercard, you will receive Priority Hotel Check-in at the Front Desk.

Buffet Line Pass

Save time with dedicated lines at participating Buffets. As a Pearl member you’ll be indulging while others wait.


Q:  When do I earn Points and Tier Credits for my spend on the MGM Rewards Mastercard?

A:  Points and Tier Credits from your MGM Rewards Mastercard spend are earned at the close of your monthly billing cycle. It may take up to 7 - 10 days from your billing cycle close date for Points and Tier Credits to be applied to your MGM Rewards account.

Q: Do I have to be a US resident to apply for the MGM Rewards Mastercard?

A: Yes, only MGM Rewards members with a US resident address are eligible to apply.

Q: Do I only earn Points and Tier Credits at MGM Rewards Destinations1?

A: Actually, you earn both Points and Tier Credits everywhere you make purchases with your MGM Rewards Mastercard. Use it for everyday purchases and on your next visit to your favorite MGM Rewards destination.

Q: How can using my MGM Rewards Mastercard help me get back to my favorite MGM Rewards destination even faster?

A: You earn rewards everywhere you make purchases with your MGM Rewards Mastercard. For example, with each $1 spent on gas or at the supermarket you will earn 2 Points and 2 Tier Credits1. So now you can turn refueling at the pump into a relaxing trip at the spa.



Q: How quickly will I be upgraded to Pearl Status after I'm approved for the MGM Rewards Mastercard3?

A:  It may take 7-10 days for the Pearl Status upgrade to be reflected on your MGM Rewards account.

Q: What can I use my MGM Rewards Points for?

A: Points can be redeemed for FREEPLAY and MGM Rewards Points - which can be used for rooms, dining and shows. Continue to use your MGM Rewards Mastercard, and your Points won't expire1.

Q: What type of bonus do I receive for spending $1,000 in my first three billing cycles?

A: You will receive 10,000 bonus Points after spending $1,000 in the first three billing cycles after the account is opened1.  Bonus Tier Credits are NOT earned for spending $1,000 in the first three billing cycles.

Card Terms

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.


1 See the Credit Card Rewards Terms and Conditions in the Summary of Credit Terms for details. For Pearl and higher Tiers, Points do not expire as long as you have activity (including use of your MGM Rewards Mastercard) within a 12-month period. MGM Resorts International owns the MGM Rewards program. Please visit or call 866.789.6716 for MGM Rewards program rules, including earning, expiration or forfeiture of Points and Tier Credits.

2 For additional information about Annual
Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.

3 MGM Rewards Tier will remain at least Pearl Status as long as your account remains open and in good standing.

Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.