FNBO · Mastercard · Personal
MGM Resorts Rewards
A no-annual-fee card earning MGM Rewards: 3× on Hotels (Portal), 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 10,000 ≈ $100 in travel (our estimate)*
- Top rate
- 3×Hotels (Portal)
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 10,000 points · spend $1,000 in the first three billing cycles after account opening | $100 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $100 | $0 |
The bonus needs $1,000 in the first three billing cycles after account opening.
Earning structure
4 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Hotels (Portal) | 3× | $3.00 | |
| Gas Stations | 2× | $2.00 | |
| Groceries | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard
- Bank
- FNBO
- Point system
- MGM Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits3 · 2 high value
- Instant Perks & Status High valueAutomatic Pearl Status + 1 more instant perks & status benefit
- Earn Perks & Status Tier Credits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 MGM Resorts Rewards |  Amtrak Guest Rewards |  Ducks Unlimited Rewards |  Amazon | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | 10,000 pts | 20,000 pts | None | $50 |
| Top rate | 3×Hotels (Portal) | 2×Special, Dining | 3×Specified Store(s) | 3×4 categories |
| Travel value * | 1¢MGM Rewards | 2.56¢Amtrak Guest Rewards | –Cash back | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
REDEMPTION OPTIONS: Slot Dollars: Can be used like cash for casino gaming, effectively acting as a form of cash back within the casino environment. MGM Rewards Points: Redeemable for rooms, dining, and entertainment at MGM properties. Each point is valued at 1 cent, based on the welcome offer valuation ($100 for 10,000 points). Transfer to Marriott Bonvoy: MGM Rewards points can be transferred to Marriott Bonvoy at a rate of 10 MGM Rewards points for 8 Marriott Bonvoy points, with a yearly limit of 30,000 points.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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