M life® Rewards Mastercard®

Checking-In to the M life® Rewards Mastercard®

The M life® Rewards Mastercard® is a hotel rewards card from First Bankcard that rewards users who frequent the MGM family of resorts in Las Vegas, across the U.S., and around the world. Cardholders earn triple points for every dollar spent with MGM, double points on gas and groceries, and single points for every other dollar spent. New accounts further benefit from 10,000 bonus points when they spend $1,000 in purchases within the first three months. The card has no annual fee and no foreign transaction fees.

How it Works

Earning Points:

• Earn on M-Life Rewards Destinations Purchases: M life® Rewards Mastercard® holders earn triple points (three points per dollar spent) and triple Tier Credits at M-Life Rewards Destinations. M Life destination resorts include the following properties:
  • Las Vegas:
    • Bellagio
    • Aria
    • MGM Grand
    • Mandalay Bay
    • Delano Las Vegas
    • Park MGM
    • NoMad Las Vegas
    • The Mirage
    • New York New York
    • Luxor
    • Excalibur
    • Circus Circus
  • MGM Resorts Across the U.S.:
    • Springfield, MA.
    • National Harbor, D.C.
    • Borgata, NJ
    • MGM Grand Detroit, MI
    • Beau Rivage, LA
    • Gold Strike Tunica, TN
    • Northfield Park, OH
    • MGM Empire City, NY
  • MGM Resorts in China, including MGM Macau and MGM Cotai
• Earn on Gas and Groceries:  Cardholders earn double Tier Credits and points on gas and supermarket purchases.
• Earn on Everything Else:  M Life cardholders earn one point and a single Tier-Credit for every other dollar spent on purchases.

Redeeming Points:

• FREEPLAY®: M Life points are redeemable for FREEPLAY® gaming credits on MGM video gaming machines.
• POINTPlay: M Life members can convert cash back balances into POINTPlay credits at their favorite slots or video poker machines.
• Express Comps: Points are also applicable towards MGM Express Comps. Express Comps operate at a 1:1 value for accommodation, dining, spas, and M Life moments, meaning they can be easily used to book anything you can imagine with MGM.
• Tier Credits: Tier Credits are the currency of the M Life rewards program, allowing members to rise through the ranks.

Today’s Bonus Offer

New cardholders receive 10,000 bonus points when they use their M life® Rewards Mastercard® to make just $1,000 in purchases within the first three billing cycles. 10,000 points have a cash value of $100, meaning this reward is a nice nest egg for planning a Las Vegas getaway – especially as rewards points are applicable towards gaming. Who knows? If you’re lucky enough, maybe $100 can turn into $100,000!

Getting Under the Sheets with the M life® Rewards Mastercard®

• Annual Fee: The M life® Rewards Mastercard® has no annual fee, which makes it an excellent option for those who scream “Viva Las Vegas!” and want to earn rewards that make staying in the Sin City (or any other MGM property) that much more exciting.

Hotel Perks:

• M-Life Pearl Status: Cardholders receive M Life Pearl Level benefits with their M life® Rewards Mastercard®. Pearl benefits usually start at 25,000 Tier Credits, making this a valuable perk. Pearl benefits include:
  • complimentary self-parking at MGM resorts in Las Vegas
  • 10% bonus points and Express Comps on gaming
  • A free buffet line pass at MGM Las Vegas resorts
• Priority Check-In: Cardholders receive priority check-in at M Life Resorts.

Cardholder Protections:

• Chip Technology: EMV chip technology has been around for some time now, but it has really started to catch on in the U.S. in recent years. Embedded chip technology provides a higher level of security for cardholders, making counterfeiting that much more difficult.
• Zero Fraud Liability: Cardholders don’t have to worry about fraudulent or unauthorized purchases with their credit card, as they’ll receive complete protection with Mastercard’s Zero Liability Protection.

“Suite” Perks That Make the M life® Rewards Mastercard® Worthwhile:

• Pearl Level Status: The M life® Rewards Mastercard® offers complimentary Pearl Level benefits, including free self-parking, additional earning on gaming, and a free buffet pass at an MGM Las Vegas resort. Free food – who can complain?
• No Annual Fee: Nobody likes paying an annual fee, and this card lets you earn rewards without the worry of overhead fees each year of membership.

“Reservations” About the M life® Rewards Mastercard®:

• Rewards Earning Rate: Triple points and Tier Credits isn’t too bad with all things considered, but it seems like if the reward earning rate was bumped up a few points – perhaps to 5x points per dollar – it may be a more enticing proposition.

Time to Check-Out

The M life® Rewards Mastercard® is a resort-centric hotel rewards card that provides great value to both fans of MGM properties and Las Vegas in general. Cardholders earn decent rewards points and M Life Tier credits with every purchase – all of which apply to a host of MGM rewards, such as comps, dining options at resorts, gaming credits, and more.

The M Life program benefits from the huge selection of properties in the MGM portfolio, including a dozen casinos and resorts in Las Vegas, with many lining the famous Strip. With complimentary Pearl Level benefits, cardholders don’t have to worry about paying to park – or about where to park themselves once they get into the resort, as they’ll receive one complimentary buffet line pass with their membership. And, once they’ve filled their stomachs, they’ll enjoy an additional 10% earning on gaming with their M life® Rewards Mastercard® – not too shabby.

Overall, the M life® Rewards Mastercard® is a great option for those who love Sin City, live near an MGM resort they frequent often or are simply looking to save up for a “treat yourself” getaway or spa experience now and then. No annual fee, no foreign transaction fees, and a raft of solid benefits and perks make this stylish card a strong contender for top casino credit card today.

Editorial Disclosure — The opinions expressed on HotelCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, HotelCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.