MGM Rewards: What To Know

Frequent Las Vegas travelers can earn bonus points on slot machines and hotel perks with MGM Rewards.
Aug 6, 2020

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MGM Rewards is the loyalty program for MGM Resorts — the owner and operator of casinos around the world — with several properties in Las Vegas, such as The Mirage, Bellagio and Mandalay Bay. Recently rebranded from M life Rewards, MGM Rewards is based on a straightforward concept: Spend money at the hotels and casinos and they’ll give you points, which you can use for hotel bookings, dining and entertainment.

MGM Rewards members earn two different currencies on eligible spending: Tier Credits and MGM Rewards Points. The former count toward earning higher status tiers (more on that below) and the latter can be redeemed on spending at MGM Rewards properties. Regardless of status tier, members earn 4 Tier Credits and 1 MGM Rewards Point per $1 spent on stays and dining at MGM Rewards properties.

What’s more, to celebrate the launch of the program’s rebranding, between Feb. 1, 2022, and April 30, 2022, members will get a 2x multiplier on Tier Credits earned at MGM’s Las Vegas properties. That’s 8 Tier Credits for every $1 of eligible spending.

Tier benefits

Tier credits accumulate from Jan. 1 through Dec. 31 to generate your status, which begins on Feb. 1 each year. If you boost your status during the year, you will enjoy the new status for at least a full year. The credits currently required for each tier and notable benefits are listed below. Many of these benefits are new as of the program rebranding, so even if you’re already a status-holding member, read up to learn what perks are now available.

Tier

How to attain status

Notable new benefits

Sapphire

Granted at sign-up.

  • Earn MGM Rewards Points on entertainment, dining and room stays at MGM Rewards properties.

  • Earn Slot Dollars when you play Slots, Video Poker and Video Lottery Terminals at MGM Rewards properties.

  • Lowest rate guarantee when booking rooms directly.

Pearl

20,000 Tier Credits (or match with World of Hyatt Discoverist status).

  • All Sapphire perks.

  • 10% Slot Dollars earning bonus.

  • Free self-parking at MGM Rewards properties.

  • Rewards points don’t expire.

Gold

75,000 Tier Credits (or match with Hyatt Explorist or Globalist status).

  • All Pearl and Sapphire perks.

  • 20% Slot Dollars earning bonus.

  • Waived resort fees on up to two rooms when booked direct.

  • Dedicated lines at hotel check-in and some restaurants.

  • $100 dining credit at participating MGM restaurants.

Platinum

200,000 Tier Credits.

  • All Gold, Pearl and Sapphire perks.

  • 30% Slot Dollars earning bonus.

  • 4 p.m. check-out.

  • Annual suite upgrade in Las Vegas.

  • $200 dining credit at MGM-owned restaurants.

  • $600 air travel credit on flights to Las Vegas.

  • Complimentary annual cruise for two on Royal Caribbean or Celebrity.

  • Expedited valet and taxi service.

Noir

Invite only.

  • All Platinum, Gold, Pearl and Sapphire perks.

  • 40% Slot Dollars earning bonus.

  • $500 dining credit at MGM-owned restaurants.

  • $1,200 air travel credit on flights to Las Vegas.

  • Upgraded cruise services.

The co-branded Mastercard

MGM Rewards has a credit card. Most of the features are basic, but it’s a good way to keep your points from expiring if you don’t make it to Las Vegas very often. Overall though, this is a mediocre card. Here's what's included:

  • There’s no annual fee and no foreign transaction fees.

  • You earn 1 tier credit and 1 base point per $1 spent. Those earnings double at gas stations and supermarkets, and triple at M life destinations.

  • You receive 10,000 points when you spend $1,000 in the first three months.

  • Automatic Pearl status.

  • Priority check-in.

Partner promotions

MGM Rewards has several partnerships, ranging from "meh" to very valuable. Here are a couple of the most interesting ones.

World of Hyatt

The partnership with Hyatt Hotels and Resorts is arguably the most valuable. It includes:

  • Reciprocal elite benefits and status matching.

  • The ability to use World of Hyatt points at participating MGM Rewards hotels.

  • The opportunity to earn the partner’s reward currency for your stay.

Southwest Airlines

Southwest Airlines is one of the most scheduled airliners serving Las Vegas, so it’s appropriate that they have a partnership with MGM. You can earn 600 Southwest Rapid Rewards points for stays at a qualifying property. But you can only earn Rapid Rewards or MGM Rewards points — no double-dipping.

Royal Caribbean and Celebrity

Royal Caribbean International and its sibling brand Celebrity have some valuable perks, particularly at the higher levels. Even Pearl, the first elite level, gets you access to a special lounge for departure, but the benefits climb rapidly from there.

Plus, members with the highest levels of elite status can get a complimentary cruise each year. Qualifying Platinum Members receive one cruise for two per year in an Oceanview Stateroom consisting of a 3, 4, or 5 night Bahamas or Caribbean cruise on Royal Caribbean or Celebrity Cruises.

NOIR Members receive one cruise for two per year in a Balcony Stateroom consisting of a 7-Night Caribbean or Bermuda cruise on Royal Caribbean or 7-Night Caribbean, Europe, Alaska or Bermuda cruise on Celebrity Cruises.

The bottom line

If you’re a frequent traveler to Las Vegas, you’ll want to make sure you compare the MGM Rewards program closely with the Caesars Rewards program. The two make up the vast majority of on-strip properties in Las Vegas and you’ll earn rewards faster and stretch your earning further if you focus spending and play on one rewards program.

Frequently asked questions

Tier Credits determine your elite level in the MGM Rewards program, which in turn determines what perks you are entitled to at MGM Resorts. You receive 4 Tier Credits per $1 spent on stays and dining at MGM Rewards properties.

MGM Reards Noir level is available by invitation only and doesn't have any posted requirements to earn it. It is the highest published tier level of the MGM Rewards program.

To archive MGM RewardsGold status, you need to earn 75,000 Tier Credits. Tier Credits accumulate from Jan. 1 through Dec. 31 to determine your status, which begins on Feb. 1 each year.

Your MGM Rewards Tier Credits expire (or reset to zero) each calendar year on Jan. 1. Tier Credits are only used to gauge your elite level status within the program; they aren't used for redemption purposes. Previously, Tier Credits used to expire on Sept. 30, but MGM Rewards has transitioned to a calendar year system.

Most of the co-branded Mastercard’s features are basic, but it’s a good way to keep your points from expiring if you don’t make it to Las Vegas very often. It doesn't have an annual fee and comes with Pearl status. Overall, though, it is a mediocre card if you’re interested in valuable rewards for broader spending.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022, including those best for:

partner offers

Chase Sapphire Preferred® Card
60,000 Bonus points offer - Terms Apply
Wells Fargo Autograph℠ Card
New! Earn a 30,000 bonus point offer - Terms Apply
Bank of America® Travel Rewards credit card
25,000 online bonus points offer - Terms Apply

Partner offers

Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred® Card

With a $95 annual fee & an outstanding sign up bonus, this card is a great option, especially if you transfer points from other Chase cards
APPLY NOW

on Chase's website

Highlights:
  1. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®
  2. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X on travel purchased through Chase Ultimate Rewards®, 3X on dining and 2X on all other travel purchases, plus more
  3. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel
  1. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®
  2. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X on travel purchased through Chase Ultimate Rewards®, 3X on dining and 2X on all other travel purchases, plus more
  3. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel
APPLY NOW

on Chase's website

Wells Fargo Autograph℠ Credit Card

Wells Fargo Autograph℠ Card

Earn unlimited points on all purchases and 3X points in a host of common spending categories. With a great bonus offer as well, this card offers so much value, all for no annual fee
APPLY NOW

on Wells Fargo's website

Rates & Fees
Highlights:
  1. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value
  2. Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  3. $0 annual fee
  1. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value
  2. Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  3. $0 annual fee
APPLY NOW

on Wells Fargo's website

Rates & Fees
Bank of America Travel Rewards® Credit Card

Bank of America® Travel Rewards credit card

This card makes its bones with simplicity and value: solid rewards on every purchase for an annual fee of $0
APPLY NOW

on Bank of America's website

Highlights:
  1. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  2. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  3. Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  1. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  2. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  3. Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
APPLY NOW

on Bank of America's website

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