MGM Rewards™ Mastercard®

This card is built for MGM loyalists who want a simple no-annual-fee way to earn extra value on casino, hotel, and resort spending without committing to a premium travel card. For most people, it works better as a specialist card for MGM purchases and a possible gas and grocery option, not as an all-purpose everyday card.

Annual Fee

Rec. Credit Score

Excellent

Good For

MGM regulars

How to Apply Estimate your value

All information about MGM Rewards™ Mastercard® has been collected independently by MaxRewards. MGM Rewards™ Mastercard® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the MGM Rewards™ Mastercard® worth it?

This card is great for...

MGM resort spending

Gas and grocery purchases

No-fee travel side card

The MGM Rewards Mastercard is worth a look if you already spend regularly with MGM and want to turn that spending into MGM rewards without paying an annual fee. The 3x earning on MGM purchases is the clear reason to carry it, and the 2x rates at gas stations and grocery stores add some everyday usefulness if you prefer to keep things simple.

Outside that lane, the card is fairly narrow. There is no welcome bonus, the everyday earning rate is only 1x, and the added Mastercard offers are more like occasional extras than reasons to choose the card. If MGM is a recurring part of your travel or entertainment budget, this card fits nicely. If not, most readers will get more flexible value from a stronger cash-back or general travel card.

MaxRewards Verdict

A solid no-fee pick for frequent MGM guests and gamblers who want to earn rewards where they already spend. If MGM is not a meaningful part of your routine, the card is too specialized to be a strong primary choice.

Earning

Rewards

MGM Rewards points are straightforward here: you earn the most when you spend directly with MGM, with a couple of everyday bonus categories to broaden the card's usefulness. Think of it as a brand-loyalty card first, with modest value outside the MGM ecosystem.

CategoryRate

MGM

Gas

Grocery

Everywhere

Rewards percent based on a valuation of 1¢ per MGM Rewards point

Annual Credits & Perks

Benefits

The extra benefits are mostly Mastercard partner offers rather than core card perks, so they should be treated as occasional savings, not major ongoing value. With no annual fee, that is less of a problem, but the card's real appeal still comes from MGM spending and rewards.

BenefitAnnual value

$20

Enrollment is required for select benefits.

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ResortPass

Autotracked

of $20

Benefits

Status & Access

ShopRunner

Free 2-day shipping and free returns on your favorite brands. Offer ends 9/30/25.

Benefits

Other

MoviePass

Blockbuster savings on the big screen. Get 50% off your first two months of a new Standard or Premium MoviePass plan. Offer expires 1/31/2026.

Booking.com

Save up to 7% on prepaid stays with Booking.com across 28 million accommodation options at booking.com/mastercardUS. Bookings must be prepaid and made through booking.com/mastercardUS. Valid through 9/30/25.

Lyft

Take 3 rides and get a $5 lift credit every month with your Mastercard. Promotion valid through 1/31/26.

Instacart

Groceries and more delivered in as fast as an hour. Get two months of free delivery with Instacart+ and $10 off your second order each month. Offer ends 1/31/2027.

Peacock

Get $3 off Peacock Premium each month when you use your World Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2025.

Eligibility

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing