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Card Economics
- Annual Fee
- $249
- Ongoing Annual Value
- −$44
- First-Year Value Estimate
- $46
- Net Value
- −$293
Card type: PersonalForeign transaction fee: NoneCurrency: MGM Rewards
Sign-up Bonus
30K points after $5K spend in the first 3 billing cycles + $200 Resort Credit
Am I eligible?Earning Structure
6XMGM Rewards Destinations6%
2XDining2%
2XGas Stations2%
2XGrocery Stores2%
2XHotels2%
1XAll other purchases1%
1XBetMGM deposits1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (2)
- MGM Resort Credit: $200 (Annual Cardmember Year)
$200 resort credit on account opening and again at each card anniversary, applicable to room charges including resort fees, dining, spa and entertainment.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Global Entry or TSA PreCheck application fee statement credit, credited 6-8 weeks after the transaction.
Elite Status (2)
- MGM Rewards: Pearl
- MGM Rewards: Every purchase earns Tier Credits at the same rate it earns points, plus 10,000 bonus Tier Credits at each anniversary with $25,000 of spend.
Protections (1)
- Trip Insurance — Trip Cancellation and Interruption, Trip Delay and MasterAssist coverage, underwritten by New Hampshire Insurance Company (an AIG company). Limits published in FNBO's benefits guide.
Other Perks
- Complimentary night up to $250 at each card anniversary with $25,000 of spend
- Priority Pass Digital Lounge Membership ($99 value) — digital benefits only, no airport lounge admission
- World Elite Concierge and Mastercard Travel & Lifestyle Services
- Points do not expire as long as the card is used
