Apply for MGM Credit Card: MGM Resorts International is renowned for its luxurious hotels, world-class casinos, and exceptional entertainment venues.
To enhance the experience of its patrons, MGM offers the MGM Rewards™ Mastercard®, a credit card designed to turn everyday purchases into extraordinary experiences at MGM properties.
Benefits of the MGM Rewards™ Mastercard®
Earning Points and Tier Credits
Cardholders earn points and tier credits for every dollar spent:
- 3X Points and Tier Credits per $1 spent at MGM Rewards destinations.
- 2X Points and Tier Credits per $1 spent at gas stations and grocery stores.
- 1X Point and Tier Credit per $1 spent everywhere else, including BetMGM deposits.
These points can be redeemed for Slot Dollars or MGM Rewards Points, which can be used towards rooms, dining, and entertainment at MGM properties.
Complimentary Pearl Status
Upon approval, cardholders automatically receive Pearl Status, unlocking exclusive perks such as dedicated line access at participating restaurants and buffets, and discounts on select entertainment.
Priority Hotel Check-In
Cardholders enjoy priority hotel check-in at any MGM Rewards destination, ensuring a seamless and expedited arrival experience.
Free Self-Parking
Presenting your MGM Rewards card at the exit gate grants free self-parking at MGM properties, subject to availability.
Eligibility Criteria
Before applying, ensure you meet the following requirements:
Age Requirement
Applicants must be at least 18 years old.
Residency Status
The MGM Rewards™ Mastercard® is available to legal residents of the United States.
Credit Score Considerations
A good to excellent credit score increases the likelihood of approval.
Application Process
Online Application Steps
- Visit the MGM Rewards™ Mastercard® website.
- Click on the “Apply Now” button.
- Complete the application form with accurate personal and financial information.
- Review the terms and conditions.
- Submit your application.
Information Required
- Personal details (name, address, Social Security number)
- Employment and income information
- Housing expenses
Application Review and Approval
After submission, the issuing bank, FNBO®, will review your application. Approval times vary; some applicants may receive instant decisions, while others might require additional review.
Managing Your MGM Rewards™ Mastercard®
Online Account Access
Cardholders can manage their accounts online to check balances, view transactions, and make payments.
Mobile App Features
The MGM Rewards™ Mastercard® app, available on Google Play, allows users to:
- Enroll or log in with their online username and password.
- Monitor account activity.
- Make payments.
Payment Options
- Online Payments: Through the online account portal or mobile app.
- Mail-In Payments: Send checks to the address provided on your billing statement.
- Phone Payments: Contact customer service for assistance.
Maximizing Your Rewards
Strategies for Earning Points
- Use your MGM Rewards™ Mastercard® for all purchases at MGM properties to earn 3X points.
- Utilize the card for everyday expenses like gas and groceries to accumulate 2X points.
Redeeming Points for Rewards
Points can be redeemed for:
- Slot Dollars
- MGM Rewards Points for rooms, dining, and entertainment
Advancing Tier Status
Accumulating tier credits helps you progress to higher tiers, unlocking additional benefits and exclusive offers.
Understanding Fees and Interest Rates
Annual Percentage Rates (APRs)
- Purchase APR: Variable rate based on creditworthiness.
- Balance Transfer APR: Similar to purchase APR.
- Cash Advance APR: Typically higher than purchase APR.
Transaction Fees
- Balance Transfer Fee: A percentage of the amount transferred.
- Cash Advance Fee: A percentage of the cash advance amount.
- Foreign Transaction Fee: Applicable for purchases made outside the U.S.
Penalty Fees
- Late Payment Fee: Charged if the minimum payment is not made by the due date.
- Returned Payment Fee: Assessed if a payment is returned.
Security Features
Fraud Monitoring
Advanced systems monitor transactions for suspicious activity, helping protect against unauthorized use.
Zero Liability Protection
Cardholders are not held responsible for unauthorized transactions, provided they report them promptly.
Contactless Payments
The card supports contactless payments, allowing for quick and secure transactions.
Customer Support
Contact Information
For assistance, cardholders can:
- Visit the MGM Rewards™ Mastercard® website.
- Call the customer service number provided on the back of the card.
FAQs about Applying for an MGM Credit Card
1. Who is eligible to apply for an MGM Credit Card?
Eligibility for the MGM Credit Card requires applicants to be at least 18 years old and have a valid U.S. Social Security Number. Additional criteria, including credit history and income verification, may also apply.
2. What benefits do I get with an MGM Credit Card?
MGM Credit Card holders enjoy a variety of benefits including exclusive discounts at MGM Resorts, priority hotel check-ins, special offers on entertainment and dining, and the ability to earn rewards points redeemable for free hotel stays, meals, show tickets, and more.
3. How can I apply for an MGM Credit Card?
You can apply for an MGM Credit Card online through the official MGM website or in person at any MGM resort. The process typically requires filling out an application form and providing necessary identification and financial information.
4. What should I do if my application is denied?
If your application is denied, you will receive a letter explaining the reasons for the denial. You can improve your credit score or address the specific reasons cited in the denial before reapplying. Additionally, you can contact the customer service for further guidance.
5. How long does it take to receive my MGM Credit Card after applying?
After approval, your MGM Credit Card should arrive by mail within 7-10 business days. If you do not receive your card within this timeframe, contact MGM Credit Card services for assistance.
6. Can I use my MGM Credit Card outside of MGM resorts?
Yes, the MGM Credit Card can be used anywhere that accepts Visa cards, allowing you to earn points on all your purchases, not just those made at MGM properties.
7. Is there an annual fee for the MGM Credit Card?
The MGM Credit Card may have an annual fee depending on the card variant you choose. Specific details about the fee structure are available on the MGM Credit Card application page.
8. How do I manage my MGM Credit Card account?
You can manage your MGM Credit Card account online through the MGM card management portal, where you can view your statement, make payments, and update your account information.
Conclusion
The MGM Rewards™ Mastercard® offers a plethora of benefits, from earning points on everyday purchases to enjoying exclusive perks at MGM properties. By understanding the application process, managing your account effectively, and maximizing your rewards, you can enhance your experiences with MGM Resorts International.
