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MGM Rewards Iconic vs MGM Rewards World Elite
Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.
Economics
Annual fee
$249
$0
$249/yr less
Ongoing annual value
−$44
$0
$44/yr more
Net value (value − fee)
−$293
$0
$293/yr more
First-year value estimate
$46
$79
$33/yr more
Authorized user fee
—
—
Sign-up Bonus
Current offer
30K points after $5K spend in the first 3 billing cycles + $200 Resort Credit
10K points after $1K spend in the first 3 billing cycles
Earning
MGM Rewards Destinations
6X6%
3X3%
Dining
2X2%
—
Hotels
2X2%
—
BetMGM deposits
1X1%
—
Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Benefits
- MGM Resort Credit: $200 (Annual Cardmember Year)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
- MGM Rewards Pearl
- MGM Rewards
- MGM Rewards Pearl
- MGM Rewards
Statement credits
—
Lounge access
—
—
Elite status
Protections
1
0
The same on both cards (8)
Foreign transaction fee
None
None
Issuer
FNBO
FNBO
Rewards currency
MGM Rewards
MGM Rewards
Card type
Personal
Personal
Network
Mastercard
Mastercard
All other purchases
1X1%
1X1%
Gas Stations
2X2%
2X2%
Grocery Stores
2X2%
2X2%
Which one is right for you
This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.
Ask Miles which to getNo ads, no paid placement · Your wallet, your math