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MGM Rewards™ World Elite Mastercard® — Full Review [2025]

Jarrod West's image
Jarrod West
Edited by: Michael Y. Park
& Jestan Mendame

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MGM Rewards™ World Elite Mastercard®

MGM Rewards™ World Elite Mastercard®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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  • 10,000 points

  • $0

MGM Rewards™ World Elite Mastercard®

The MGM Rewards card helps you get more value out of all your stays at MGM properties.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon3
Summary

The MGM Rewards card is an excellent $0-annual-fee option for those who want to enhance their stays at MGM properties and qualify for higher levels of MGM Rewards elite status faster.

Card Details

Card Snapshot

Welcome Bonus & Info

  • Earn 10,000 Bonus Points ($100 value) after spending $1,000 in the first 3 billing cycles of account opening.
  • 3x points and tier credits at MGM Rewards destinations
  • 2x points and tier credits at gas stations and grocery stores
  • 1x points and tier credits on all other purchases
  • Automatic MGM Rewards Pearl status
  • Priority hotel check-in
  • Complimentary self-parking
  • No annual fee and no foreign transaction fees
Pros & Cons

Pros

  • 3x points and Tier Credits at MGM Rewards destinations
  • 2x points and Tier Credits at gas stations and grocery stores
  • 1x points and Tier Credits on all other purchases
  • Automatic MGM Rewards Pearl status
  • Priority hotel check-in
  • Complimentary self-parking
  • $0 annual fee
  • No foreign transaction fees

Cons

  • Rewards can only be redeemed with MGM
  • Not as rewarding as the MGM Rewards Iconic card

Great Card If

  • You frequently stay at MGM properties and gamble at MGM casinos.
  • You want a card that helps you earn more points and Tier Credits with no annual fee.

Don’t Get If

  • You rarely visit MGM properties.
  • You prefer a travel card with flexible rewards.

MGM Rewards Card: Is It Worth It?

For those who often travel to MGM properties and enjoy gambling at MGM casinos, adding the MGM Rewards card to your wallet can really enhance your experience.

Not only does holding the card help you earn more points on your daily purchases, but you also earn additional Tier Credits to help expedite your qualification for higher levels of MGM Rewards elite status.

The card also comes with added perks like an automatic upgrade to MGM Rewards Pearl status, priority hotel check-in, no foreign transaction fees, and free self-parking at participating MGM Rewards destinations.

MGM Rewards Card Top Benefits and Perks

Here is a quick look at the top benefits and perks you can expect as an MGM Rewards cardmember:

  • Automatic MGM Rewards Pearl status: Perks like a 10% discount at members-only property shops, discounts to select shows, a dedicated buffet line, discounts on Avis car rentals, a 10% bonus on Slot Dollars, and a status match to Marriott Bonvoy Silver Elite status
  • Earn Tier Credits: Depending on the purchase category, you can earn 1 to 3 Tier Credits for every $1 you spend on your card, helping you achieve higher levels of MGM Rewards elite status faster.
  • Complimentary self-parking: Waived fees for self-parking in the garage at select MGM destinations
  • Priority check-in: Line-skipping during check-in to get to your room faster
  • No foreign transaction fees
  • No annual fee

Best Ways To Earn and Redeem Your MGM Rewards

The best way to earn more MGM Rewards points is to use your new MGM Rewards card for as many of your daily purchases as you can, since you earn 3x points at MGM Rewards destinations, 2x points at gas stations and grocery stores, and 1x points on all other purchases.

Remember that you earn an equivalent number of Tier Credits for each of these purchase categories, so you’re not just helping yourself earn more redeemable rewards, you’re helping yourself qualify for higher levels of elite status faster.

MGM gives you a wide variety of redemptions, including hotel stays, dining, entertainment, Slot Dollars, spa services, gift cards, and more.

Alternative Card to the MGM Rewards Card

MGM Rewards™ Iconic World Elite Mastercard®

For the most dedicated MGM Rewards program loyalists, consider the MGM Rewards Iconic card.

It does come with an annual fee, but you earn twice as many points and Tier Credits on MGM stays, receive a $200 resort credit upon account opening and annually on your account anniversary, a Priority Pass digital lounge membership, a Global Entry or TSA PreCheck credit, and a complimentary night worth up to $250 annually and 10,000 Tier Credits when you spend $25,000 in the card in a calendar year.

Frequently Asked Questions

Does MGM offer a credit card?

Yes, MGM offers 2 credit cards, the $0-annual-fee MGM Rewards card and the more premium MGM Rewards Iconic card.

Deciding which one is right for you comes down to how often you stay at MGM properties and how much you value the benefits of each card.

What credit score do you need to be approved for the MGM Rewards card?

There is no guarantee that you will be approved for the MGM Rewards card, no matter how high your credit score is. That said, if you have a credit score of 670 or higher, you should have strong approval odds.

Does the MGM Rewards card have an annual fee?

No, the MGM Rewards card has a $0 annual fee.

Is there free parking with the MGM Rewards card?

Yes, the MGM Rewards card comes with complimentary self-parking at participating MGM properties.

Does the MGM Rewards card give you elite status?

Yes, the MGM Rewards card gives you automatic MGM Rewards Pearl status, which offers perks like priority check-in, a 10% discount at members-only property shops, discounts to select shows, a dedicated buffet line, discounts on Avis car rentals, a 10% bonus on Slot Dollars, and a status match to Marriott Bonvoy Silver Elite status.

Plus, you earn 1x to 3x Tier Credits on all of your purchases to help you achieve higher levels of elite status faster.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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