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Up to 6X (Mgm Grand)
Highest rate (conditional)
Annual Fee
$249
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
MGM Rewards
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Excellent
30,000
points
$5,000
Spend Required
3 months
Time Period
Benefits & Perks
Program & Transfers
Rewards that take you everywhere
MGM Rewards is a hotel loyalty program designed to reward paid stays and partner activity with points-based value. The program includes 5 status tiers that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Multiple card facts |
Up to
$576
in recurring credits (annual)
Plus $250 first-year / eligibility-dependent
$250 hotel night
$250
Annual
Complimentary Night up to $250 annually at card anniversary with $25,000 spend
$200 resort credit
$200
Annual
$200 Resort Credit upon account opening and annually at card anniversary
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Fast track to top-tier perks
This card comes with 3 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Pearl Status entitles you to many exciting perks! Your MGM Rewards Tier will remain at least Pearl Status as long as your MGM Rewards Mastercard ac...
how your MGM Rewards Mastercard when you arrive to gain access to priority hotel check-in at any MGM Rewards Destination.
Self-parking is complimentary for current MGM Rewards™ World Elite Mastercard® cardholders. Guests must insert their Pearl, Gold, Platinum or NOIR ...
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Trip Cancellation/Interruption up to $5,000/trip, Trip Delay up to $300/trip, plus MasterAssist emergency services.
Total Value Captured
$495.60
Annual Fee
-$249
Net Annual Value
+$96.60
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
