MGM Rewards Mastercard 2024: Login, Benefits, Apply, Review

Check all details about the MLife Credit Card by MGM Casino in this article. What are the benefits and features of this Mastercard?

How customers can access their online accounts? How to apply for a new MGM Mastercard online? Check all the updated information with the step-by-step process.

MGM Rewards Mastercard

MGM Resorts has partnered with the First National Bank of Omaha (FNBO) and offering a Mastercard to all eligible customers.

This credit card is linked to the customer’s MGM Rewards program account and allows customers to earn rewards points and tier credits on every spend at MGM Resorts and outside MGM where Mastercard is accepted.

Cardholders also get exclusive perks, benefits, discounts, etc.

Salient features:

  • There is no annual fee on the MGM Rewards Mastercard.
  • Customers can also use their Mastercard outside MGM and earn tier credits and rewards points.
  • All new members will be automatically advanced to the Pearl Tier status within 7 days.

Interest rates & charges:

Fee typeAmount
APR for Purchases25.24% Variable
Penalty APRNone
APR for a balance transfer25.24%
APR for Cash Advances25.24%
Minimum Interest Charge$1.75
Annual FeeNone
Monthly FeeNone
Balance transfer feeEither $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance feeEither $15 or 5% of the amount of each cash advance, whichever is greater
Cash EquivalentEither $15 or 5% of the amount of each cash equivalent transaction, whichever is greater
Foreign Transaction FeeNone
Late Payment penaltyUp to $40
Returned Payment PenaltyUp to $35

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MGM Credit Card Benefits

MGM Mastercard offers exciting benefits and rewards to customers. Some of the important benefits are mentioned below.

Card Benefits:

  • Members will have priority access to Hotel check-in facilities at MGM Rewards destinations.
  • All new members get the Pearl tier status without earning 20,000 Tier credits.
  • There is no foreign transaction fee.
  • All points that customers earn do not expire as long customer’s account is active.
  • Customers will earn MGM Mastercard points and MGM Rewards points.
  • MGM Mastercard points can be redeemed for Slot Dollars and MGM Rewards Points can be redeemed for room, dining, and entertainment spending.

Pearl Tier Status Benefits:

  • All customers will get the sapphire status benefits and exclusive pearn tier status benefits.
  • 10% Bonus on Points and MGM Rewards Points for your Slots, Video Poker, and Video Lottery Terminals gaming spend.
  • Free self-parking facility at participating MGM Rewards Destinations.
  • Invitations to Events, Tournaments, etc that are exclusive for Pearl members.
  • Dedicated Line at the Buffet.
  • Customers will get complimentary tickets for Concerts in Las Vegas.

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30,000 bonus points introductory offer:

Currently, an introductory limited-time offer is running for new customers and provides new customers an opportunity to earn 30,000 sign-up bonus points.

All customers who receive a new MGM Rewards Mastercard must spend $1,000 every month during the first 6 billing cycles to get 5,000 monthly bonus points. A total of 30,000 bonus points will be awarded to customers.

How customers will earn points?

customers will earn reward points and tier credits on all purchases as per the below criteria.

Purchase typeAmount spentRewards pointsTier Credits
At MGM Rewards Destinations$133
Gas or Supermarket Purchases$122
Spending on BetMGM deposits$111
All other purchases$111

Overall, cardholders will earn 3X points and tier credits for spending at MGM Destinations, 2X points and tier credits for Gas or Supermarket purchases, and 1X points and tier credits for all other purchases.

MGM Credit Card Login

The First National Bank of Omaha (FNBO) issues a new MGM Mastercard and also manages the online accounts of all existing customers.

All existing MGM Rewards cardholders can log in to their credit card account on the FNBO website. All new customers must enroll for a new account if they do not have one with the help of the below steps.

MGM Credit Card Enrollment

All new cardholders must enroll themselves in the FNBO online banking facility by visiting the FNBO website and creating their user ID and Password. It allows them to access all the exclusive online account features and services.

  • Visit the official website.
  • Click the Log In link in the top right corner and again click the Enroll Now link in the sub-menu.
  • The next part is identity verification.
  • Enter all required information such as account number, CVV, expiration code, name, date of birth, Last Four Digits of SSN, and Email Address.
  • Click the Continue button.
  • Follow the on-screen instructions and verify your identity.
  • After the successful verification, the customer can create the user ID and password for the FNBO online banking.

This user ID and password will be used to access the MGM Mastercard account.

MLife Credit Card Login steps:

After enrolling in the FNBO online banking, customers can access their accounts. Please follow the below steps.

  1. Visit the MGM Credit account page on the FNBO website.
  2. Open the login page by clicking the Log In link in the top right corner.
  3. Enter your user ID and password and click the Sign In button.

You will have instant access to your MGM Mastercard account.

MGM Rewards Mastercard Mobile App Login

MGM Rewards Mastercard mobile app is also available for both Android and iOS platforms. Customers can download the app and log in to their account.

After login, customers can access important services and features on the go as mentioned below.

  • Enable advanced login features such as fingerprint scan.
  • Easily check the account summary and current balance.
  • View your monthly statement and transaction history.
  • Make an online payment for your credit card bill.
  • Set up and manage your email alerts.

Customers can open the Google Play or App Store on their smartphone and search for the MGM Mastercard app or they can download the app through the below-given links.

PlatformDownload linksCurrent version
AndroidClick here4.65.4
iOSClick here4.64.0

How to log in:

Open the MGM Mastercard app on your smartphone and enter your user ID and password to access your online account. You can also enroll in a new account if you don’t have one.

MGM Mastercard Bill Payment

All customers are allowed to use their MGM credit card everywhere where Mastercard is accepted. Customers must pay their credit card bills before the due date to avoid any penalties and charges.

There are multiple ways to pay the MGM credit card bill as mentioned below.

i- Online payment:

Customers can log in to their MGM Mastercard account online and pay their credit card bill through a checking account. Customers can also schedule one-time payments or recurring monthly payments to your account.

Please check your monthly billing statement before making a payment and pay at least the minimum payment due written on your statement to avoid any late payment penalty.

ii- Phone payment:

Phone payment service is also available for all MGM Mastercard customers. Customers can call the customer care phone number at 888-295-5540 and make a payment.

iii- Payment through Mail:

Customers can send Mail including the check or money order and the payment coupon that came with the billing statement. Please Mail your envelope to the below address.

Bankcard Payment Processing
1620 Dodge Street
Omaha, NE 68197-2210

Please send your overnight credit card payment to:

Bankcard Payment Processing
Attention: Express Payments
1620 Dodge Street
Omaha, NE 68197-2210


Customers can also enroll in the Auto Pay service to pay their bills automatically every month from their checking account.

  • Phone payment and online payment can be credited to the customer’s account on the same day if made before 5 p.m. CT.
  • If the phone or online payment is made between 5 pm CT to 11:59 p.m. CT then the payment will be processed the next business day but you will receive credit for the date of the payment.

How to Apply for an MGM Credit Card?

All members can visit the official website and apply for the MGM Mastercard in an online mode. Customers can also visit the service desk at any participating location and fill out the application form.

There are a few requisites to apply, please check below.

  • Applicant must be 21 years old.
  • Applicant must be enrolled in the MGM Rewards Program.
  • To get the Mastercard, the MGM Rewards Program must be in good standing.

Online application process:

Members can follow the below simple steps to submit their online application.

  1. Visit the MGM Rewards Mastercard page on the official website.
  2. Click the Apply Online button to start the online application process.
  3. You will be redirected to the MGM Rewards Login page.
  4. Enter your email address and log in to your account or create a new account.
  5. After logging in, you can submit your online application for the MGM Credit Card.
  6. Your application will be reviewed by FNBO and you will get your Mastercard after the approval.

How to Activate MGM Mastercard?

If you received your new MGM Mastercard then you can not use it before activating it. Customers can activate their Mastercard by calling the customer service number 888-295-5540. Please verify this number with the number written on the back side of the credit card.

Customers can also activate their credit cards online.

For online activation, customers can visit the official FNBO website and click the Activate Card link.

MGM Rewards Mastercard Rewards Program Terms and Conditions

There are two ways MGM customers can earn rewards.

  1. Through MGM Rewards Program.
  2. Through Credit Card Rewards Program.

MGM Rewards Program:

Members will earn MGM Rewards Program points through their MGM Rewards program. Please visit the MGM Mlife Rewards page to check out complete details, status, rewards, tier earning process, etc.

Credit Card Rewards Program:

Credit Card Rewards Program points (“Points”) can be earned in the Credit Card Rewards Program as described below.

  • Earn 3 Points for each $1.00 of MGM Rewards Purchases posted to the Account
  • Earn 2 Points for each $1.00 of Gas Purchases or Supermarket Purchases posted to the Account.
  • Earn 1 Point for each $1.00 of Net Purchases posted to the Account that is not from an MGM Rewards Purchase, Gas Purchase, or Supermarket Purchase

The MGM Rewards program is managed by MGM Resorts and the MGM credit card program is managed by FNBO.

MGM Mastercard Customer Service

All MGM Rewards program members having Mastercard can call 1-866-789-6716 and find information about MGM Rewards program rules, including earning, redemption, expiration, or forfeiture of Points and Tier Credits.

  • Report Lost or Stolen card: Please call 800-444-6938
  • Technology Assistance: Please call 888-467-2217
  • General Questions: Please call 888-295-5540
MGM Resorts websiteMGM Mastercard website
MGM Mastercard ActivationMGM Mastercard application status
MGM Mastercard enrollmentMGM credit card login

MGM Mastercard Summary:

Name of the cardMGM Credit Card
Issued ByFirst National Bank of Omaha (FNBO)
Offered toMGM Resorts
Credit card network providerMastercard
BeneficiaryAll MGM customers
ObjectiveTo provide credit card facility to all MGM Rewards customers


What is the MGM Rewards Program?

MGM Rewards Program is a loyalty program offered to all customers who visit the MGM Rewards destinations.

Customers can enroll in the MGM Rewards program earn rewards points and access exclusive members-only benefits and perks. For more information, please visit the MGM Rewards web page. and also check MGM Rewards Peral, Gold, and Platinum tier status benefits.

How can I check the application status?

In case a customer wants to check the current status of the MGM credit card application that he has applied then he can do that through the official website.

Please follow the below steps.

i-Visit the official website.
ii-Click the View Application Status in the top menu or directly visit the application tracking page.
iii-Enter your ZIP code, Last Four Digits of SSN, and phone number.
iv-Click the Submit button.

The application status will be shown on the screen.

How to recover the MGM Rewards Mastercard account?

In case a customer forgets the account credentials then customers also get the self-service account recovery options to recover their username and reset their password.

Please follow the below steps.

i-Visit the MGM Mastercard account login page.
ii-There are two options below the Sign In button.

Forgot password? – Click this link to create a new password by following the on-screen instructions.
Forgot User ID? – Click this link to recover your username by following the on-screen instructions.

What is the value and limit of points earned?

Members can earn an unlimited number of points through their MGM Mastercard. there may be a limit on the bonus points.

Each credit card reward point will be equal to 1 MGM Mastercard Point, which will be redeemable only through the MGM Rewards Program.


MGM Mastercard is a great way to empower customers and provide them credit to make purchases at any MGM destination. Customers can use it outside MGM too. Please note that getting a Mastercard requires a Good credit score.

We have shared all the important information about the MGM credit card in this article including MGM Mastercard benefits, review, fees, login and enrollment process, etc.

We have also shared how to apply for a new MGM Mastercard, how to check the application status, and how to activate it.

We hope you will get the information that you are looking for.

Finally, we appreciate your visit and thank you for reading this article.

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