Unity by Hard Rock
ComenityNo annual feeMastercard3% foreign transaction feeIssuer's page
The welcome offer is too small to apply for on its own.
Already have it? Keep it.
Welcome bonus
10,000points
after $1,000 in purchases in the first 3 months
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus10,000 points at 1¢ | $100 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| Meeting the $1,000 minimumearns 1% here vs 2% on Double Cash | −$10 |
| First year | $90 |
| Each year after | +$12 |
Not counted in the first year: status (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Grocery Stores | 2% |
| 2X | Dining | 2% |
| 5X | Participating Hard Rock non-casino properties | 5% |
| 4X | Non-gaming spend at Hard Rock casino locations | 4% |
| 1X | Everything else | 1% |
Noteworthy perks
- Unity by Hard Rock LegendStar tier members are upgraded to Legend status; Legend, Icon and X tier members instead receive 3,000 Tier Credits for a card purchase within 30 days of account opening.
Personal card · Earns Unity by Hard Rock
Benefits
Elite status (2)
- Unity by Hard Rock: Legend
- Unity by Hard Rock: 5,000 bonus Tier Credits after $5,000 of card spend in a calendar year.
Other Perks
- Accepted at 200+ Hard Rock and Seminole Gaming locations worldwide
- Unity Points redeem like cash at participating properties at 100 points per $1, toward dining, gaming and stays
- Points do not expire while the card is used
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Unity by Hard RockOct 8, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 10K Unity Points after $1K spend within 90 days of account opening, on purchases outside participating Hard Rock properties to 10K Unity Points after $1K spend within 90 daysAug 3, 2026
- addedAug 3, 2026