The M life Rewards Loyalty Program for MGM Resorts – Everything You Need To Know

M life Rewards

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M life Rewards is the loyalty program for all MGM Resorts properties. In addition to the Las Vegas hotels you may be familiar with, there are MGM properties across the U.S. and in China and Japan.

As an M life Rewards member, you can earn points and Tier Credits that can be converted into great perks like free slot play, discounts, and even a free cruise!

In this post, we’ll go over everything you need to know to get the most out of your M life Rewards.

MGM Resorts

The M life Rewards program is valid at all MGM Resorts worldwide.

MGM Resorts in Las Vegas

  • Aria
  • Bellagio
  • Delano Las Vegas
  • Excalibur
  • Luxor
  • Mandalay Bay
  • MGM Grand
  • The Mirage
  • New York-New York
  • NoMad Las Vegas
  • Park MGM
  • The Signature at MGM Grand
  • Vdara at Aria

Other MGM Resort Locations in the U.S.

  • Beau Rivage — Biloxi, MS
  • Borgata — Atlantic City, NJ
  • Empire City Casino — Yonkers, NY
  • Gold Strike — Robinsonville, MS
  • MGM Grand Detroit — Detroit, MI
  • MGM National Harbor — Oxon Hill, MD
  • MGM Northfield Park — Northfield, OH
  • MGM Springfield — Springfield, MA

MGM Resorts in China

  • MGM Cotai
  • MGM Macau

MGM Resorts in Japan

  • MGM Osaka
  • MGM Tokyo

Diaoyutai MGM Hospitality Locations

  • Bellagio Shanghai
  • Diaoyutai Boutique Hotel Chengdu
  • Diaoyutai Hotel Hangzhou
  • MGM Grand Sanya
M life Rewards hotels The Mirage
The Mirage is one of the many M life Rewards properties on the Las Vegas Strip. Image Credit: MGM Resorts

How M life Rewards Works

As an M life Rewards member, you’ll earn Tier Credits based on your spending including:

  • Hotel rooms
  • Dining
  • Entertainment
  • Spa
  • Gambling (slots, video poker, and table games)

How To Join M life Rewards

Joining M life Rewards is quick and easy. Go to the MGM Rewards website and click on M life Rewards to sign up for a free account.

Then all you need to do is input some basic information like your name, address, and birthday and you’ll have an M life account all set up.


As an M life Rewards member, you’ll be able to earn 3 types of rewards on top of your Tier Credits.

Express Comps

You’ll earn Express Comps when you play slots and video poker. Plus, you’ll earn them on table games at Beau Rivage, Borgata, Gold Strike Tunica, MGM Grand Detroit, MGM National Harbor, and MGM Springfield.

Express Comps can be redeemed for hotel charges, dining, entertainment, M life Moments, and more at any M life Rewards destination.


You’ll earn points based on your slot and video poker play. These can be redeemed for FREEPLAY on slot machines or converted to Express Comps. You’ll also earn points with the M life® Rewards Mastercard®.


FREEPLAY is like electronic cash that you can use to play on your favorite slot machines or video poker machines. As an M life member, you’ll receive FREEPLAY promotions and offers from participating casinos.

M life Rewards Platinum status
You’ll be able to keep track of all your points, Tier Credits, and other rewards in your online account. Image Credit: MGM Resorts

M life Moments

M life Moments are special experiences that you can purchase only if you’re an M life Rewards member. M life Moments include things like choosing the songs for the Fountains of Bellagio, swimming with sharks at Mandalay Bay, and an exclusive dinner for 2 with chef Julian Serrano.


BetMGM consists of sportsbooks, kiosks, and an online app to assist with your sports gaming.

Holiday Gift Shoppe

For each point you earn from slot play at any Las Vegas M life destination, you’ll also earn 1 Gift Point. Gift Points can be redeemed for merchandise, gift cards, and/or FREEPLAY at the MGM Holiday Gift Shoppe event. Redemptions must be made in person.

Hot Tip: When you’re booking your Las Vegas vacation, look for package deals that combine flights, hotel, and/or a rental car to save some money, and be sure to check our guide to the best things to do in Las Vegas before you go.

M life Rewards Elite Tier Levels

There are 5 levels of membership in the M life Rewards program. From the moment you join, you’ll enjoy some basic amenities including:

  • Dedicated reservation lines
  • Special offers from M life Rewards
  • Access to M life Moments
  • Mobile check-in
  • Benefits and offers from M life partners
  • Ability to earn Express Comps and points for slot machine play
  • Ability to earn Holiday Gift Shoppe Points for slot play in Las Vegas
  • Hotel room discounts
  • Pre-sale ticket access to select events, concerts, and fights
  • Discounts to select shows at M life Rewards locations
  • Avis car rental discount
  • Personalized offers for BetMGM

All benefits are cumulative, so each level will also have access to all the benefits offered at the lower levels.

M life Rewards tiers
There are 5 levels of the M life Rewards program. Image Credit: MGM Resorts

Sapphire: 0 to 24,999 Tier Credits

  • 5% discount at participating retail shops

Pearl: 25,000 to 74,999 Tier Credits

  • Extended expiration for Express Comps and points
  • Invitations to members-only events, tournaments, and promotions
  • 10% bonus on points earned through slot play earned at M life Rewards destinations
  • 10% bonus on Express Comps earned at M life Rewards destinations
  • 10% discount at participating retail shops
  • Dedicated line at the buffet
  • Complimentary self-parking
  • 10% bonus on iRewards Points earned on BetMGM
  • Increased deposit limit for BetMGM

Gold: 75,000 to 199,999 Tier Credits

  • 20% bonus on points earned through slot play earned at M life Rewards destinations
  • 20% bonus on Express Comps earned at M life Rewards destinations
  • 10% discount at participating retail shops
  • Priority check-in line at the hotel front desk
  • Room upgrade at check-in (excluding suites, subject to availability)
  • Dedicated line at participating restaurants
  • Fine dining priority reservations
  • VIP line at select nightclubs in Las Vegas
  • Complimentary valet parking
  • 20% bonus on iRewards Points earned on BetMGM
  • Expedited withdraws for BetMGM
  • Access to BetMGM VIP support team
  • Dedicated window at Bet MGM Sportsbook

Platinum: 200,000+ Tier Credits

  • Annual complimentary cruise on Royal Caribbean or Celebrity Cruise Line (for qualifying members)
  • 30% bonus on points earned through slot play earned at M life Rewards destinations
  • 30% bonus on Express Comps earned at M life Rewards destinations
  • 15% discount at participating retail shops
  • Priority access to pool cabana, spa, and salon reservations
  • Priority access for taxi and valet services
  • Platinum Experience upon check-in at Las Vegas locations
  • 30% bonus on iRewards Points earned on BetMGM
  • Invitations to sports and entertainment events
  • Complimentary nights at MGM Resorts
  • Access to dedicated VIP host for BetMGM

NOIR: By Invitation Only

  • 40% bonus on points earned through slot play earned at M life Rewards destinations
  • 40% bonus on Express Comps earned at M life Rewards destinations
  • 15% discount at participating retail shops
  • Increased Express Comps earning limits
  • VIP lounge check-in
  • Guaranteed advanced hotel and restaurant reservations
  • Guaranteed show reservations
  • Complimentary limo service to and from the nearest airport with your hotel stay
  • 30% bonus on iRewards Points earned on BetMGM

Bottom Line: Your M life Rewards elite level is determined by the number of Tier Credits you earn over 1 year, from October 1 through the following September 30. As soon as you reach the required number of points for the next tier level, you’ll advance automatically, giving you at least 1 full year of the higher level’s benefits. Your level is based on the Tier Credits you earned in the previous earning cycle (October 1 to September 30).

M life Rewards Partners

World of Hyatt

If you’re a member of both World of Hyatt and M life Rewards, you can earn points and Tier Credits when you stay at Hyatt properties. You can also status match from your M life Rewards status to World of Hyatt status (and vice versa).

  • Earn 8 Tier Credits for every eligible dollar spent at participating Hyatt hotels
  • Earn 5 World of Hyatt points per eligible dollar spent at MGM Resorts locations in Las Vegas
Status Match From M life Rewards to World of Hyatt
M life Rewards StatusMatched Status to World of Hyatt


Status Match From World of Hyatt to M life Rewards
World of Hyatt StatusMatched Status to M life Rewards

Southwest Airlines

M life Rewards members who are also Southwest Rapid Rewards members can earn 600 Rapid Rewards points for each qualifying stay at all Las Vegas M life Rewards destinations.

Royal Caribbean and Celebrity Cruise Line

M life Rewards members receive special benefits and perks when cruising with Royal Caribbean or Celebrity. Benefits vary based on your M life Rewards status. If you’re a member of both M life Rewards and Royal Caribbean’s Crown and Anchor Society, you’ll need to choose which benefits you want to receive at the time of booking as they can’t be combined.

M life Rewards Status Level
Benefits on Royal Caribbean or Celebrity CruisesSapphirePearlGoldPlatinumNOIR
Exclusive cruise offers
Entertainment tour
Welcome amenity
Cash advance fee waived on SeaPass
Onboard credit$125$200$300
Annual free cruise

Royal Caribbean Crown and Anchor Society Members can also status match to M life Rewards.

Status Match From Royal Caribbean to M life Rewards
Royal Caribbean Crown and Anchor SocietyMatched Status to M life Rewards
Emerald, Diamond, Diamond +, Pinnacle ClubGold


M life Rewards members can save up to 30% on their next car rental from Avis.

Cirque du Soleil

M life Rewards members can save up to 25% off ticket prices and have access to preferred seating for select Cirque du Soleil performances.

Thunder Valley Casino Resort

M life Rewards members can receive benefits and offers through Thunder Valley Casino Resort, located in Northern California.

Cashman Photo

As an M life Rewards member, you can receive special discounts and benefits at all Cashman Photo Enterprise locations at MGM Resort properties in Las Vegas.

M life® Rewards Mastercard®

With the M life Rewards card, you can earn points that can be redeemed for FREEPLAY or Express Comps. Express Comps can be redeemed for hotel rooms, dining, and entertainment at MGM properties.

M life Rewards credit card
M life Rewards offers its own credit card, but it falls short of many other travel rewards credit cards. Image Credit: MGM Resorts

With this card, you’ll earn:

  • 10,000 points when you spend $1,000 in purchases during the first 3 billing cycles
  • 3 Points and 3 Tier Credits per $1 spent at MGM Resorts properties
  • 2 Points and 2 Tier Credits per $1 spent at grocery stores and gas stations
  • 1 Point and 1 Tier Credit per $1 spent everywhere else

Plus, as a cardmember, you’ll automatically receive an upgrade to Pearl status and priority check-in at M life Resorts.

So, is this card worth getting? Probably not. Even for high rollers who spend a lot at MGM properties, there are other credit cards out there that will offer even more benefits.

Here are a few better options:

Chase Sapphire Reserve® Card

The Chase Sapphire Reserve card earns 5x Ultimate Rewards points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards, then earn 3x points on other travel and dining and 1 point per $1 spent on all other purchases. You’ll also have lots of ways to use your points for anything from flights and hotels to cruises or rental cars. Plus this card comes with a ton of other benefits like a $300 travel credit, TSA PreCheck or Global Entry credit, and a Priority Pass membership.

American Express® Gold Card

If you’d like to earn points at the supermarket and when dining, take a look at the Amex Gold card that earns 4x points at U.S. supermarkets (up to $25,000 per year, 1x thereafter) and restaurants. You’ll also get a ton of additional benefits that give this card a lot of value.

Citi Premier℠ Card

Do you want to earn extra points at gas stations? The Citi Premier card earns 3x points on all travel — including gas stations. Plus, with this card, you’ll also earn double points on dining and entertainment purchases.

Bottom Line: For most people, the M life Rewards card isn’t worth it. There are so many other travel rewards credit cards out there that offer more benefits and higher-earning capabilities than this card. 

Final Thoughts

If you’re a regular on the Las Vegas Strip, you might be familiar with M life Rewards. If you’re not, you may be surprised to discover that this rewards program covers all MGM properties.

As a member, you’ll earn points and Tier Credits that will earn you various benefits like priority taxi service, priority dining reservations, FREEPLAY, and more!

If you rarely travel to Vegas, don’t worry — M life Rewards is valid at MGM properties across the U.S. as well as those in China and Japan.

Even if you aren’t a big gambler, you can sign up for M life Rewards for free to earn perks anytime you try your hand at Lady Luck!

The information regarding the M life® Rewards Mastercard® and Citi Premier℠ Card was independently collected by Upgraded Points and was not provided nor reviewed by the issuer. 

Frequently asked questions

What does M life Rewards get you?

As an M life Rewards member, you’ll earn points and Tier Credits which will earn lots of benefits including FREEPLAY, Express Comps, discounts, priority check-in, room upgrades, and even a free cruise!

What is the M life Rewards program?

M life Rewards is the loyalty program for MGM Resorts which includes 13 properties located on the Las Vegas Strip. You’ll earn points based on hotel charges, dining, and entertainment, plus slot play.

Do M life Points expire?

Yes, Points and Express Comps will be forfeited if an account hasn’t earned any points or Tier Credits in 6 months (for Sapphire members) or 1 year (for Pearl, Gold, Platinum, and NOIR members). Tier Credits reset to zero every year on October 1.

What hotels use M life Rewards?

M life Rewards are used by MGM hotels and resorts. This includes popular Las Vegas hotels like Aria, Mandalay Bay, and MGM Grand.

Katie Seemann

About Katie Seemann

Katie is an Ohio native who caught the travel bug after spending a semester in college in Nottingham, England. In addition to exploring England, she visited Ireland, Scotland and the Netherlands during that time and loved every minute of it (everything except the hostel in Scotland – that’s an experience she doesn’t intend on repeating!) In 2015, Katie discovered the world of points and miles, and since then she’s earned countless points and has an embarrassingly large number of credit cards in her wallet (which she needs a spreadsheet to keep track of!)

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Anthony Peluso January 28, 2021

    Very disappointed that based on restriction during 2020 you did not take into consideration lowering the standard for NOIR. I received 802,000 tier credits and literally received nothing for it. I have and use the Mlife rewards card as well. I am a very regular slot player at MGM Northfield in Ohio.


    • Hi Anthony,

      I understand your frustration, but we do not represent or have any affiliation with MGM. We are Upgraded Points, an educational travel website.


  2. I can’t find detailed info so figured I would ask here. Under mlife rewards it states you will earn 25 tier credits (no rewards credits) for each dollar spent at MGM properties for hotel, dining, and entertainment. If I use the mlife rewards Mastercard, it states I get 3x tier and rewards points for spend at MGM properties. Does this mean you can double dip with the credit card? I.e. spend 1000 at an MGM property on the mlife credit card should equate to 25k tier credits (direct spend at property), and an additional 3000 tier credits and 3000 rewards credits from the mlife Mastercard?


    • Hi Collin,

      Yes, this is correct. You should be able to double-dip this way by both being apart of the M life loyalty program and using the M life credit card.


    • Jill A Ines April 12, 2021

      The way I understand it is 3× the Tier credits. 3× 25 credits is 75 per dollar spent. That equates to 75k per $1000 spent.


    • Hi! I thought the same thing initially when I first got the card a few years ago but that’s not how it works. The 3x is misleading the way they describe it. It really means 25 + 3, not 3x. So for every dollar spent at MGM properties/experiences, you get 28 points, instead of the base 25 points (not 75). Hope that helps!


Any thoughts or questions? Comment below!

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