MGM offers a rewards program for customers who sign up for a player account. Formerly known as M Life Rewards, the program was revamped and rebranded in 2022 as MGM Rewards. All players with an MGM Rewards account simply earn rewards for money they spend in person and online at MGM properties. If you take anything from this page, take this: If you plan on spending any money at MGM, it’s worth signing up for a player account. This page will break down the benefits of the program, real-life value, properties, comparisons to other rewards programs like Caesars and Wynn, and more.
MGM Rewards: Quick facts
| 🏷 Program name | MGM Rewards (formerly M Life) |
| 🎯 Tier levels | Sapphire, Pearl, Gold, Platinum, Noir |
| 🏨 Free rooms | 39 properties worldwide, famous for the Bellagio, Aria, and MGM Grand in Las Vegas |
| 💵 Currency | Tier Credits (status), MGM Rewards Points (redeemable), BetMGM Rewards Points (redeemable) |
| 🎲 Casino credits | Yes, free play online and at MGM properties |
| 📲Online integration | Yes — BetMGM Casino & Sportsbook |
| 💳 Credit card | MGM Mastercard w/automatic Pearl status |
| 🏨 Resort benefits | Free parking (Pearl+), waived fees (Gold+), early check-in/late check-out (Platinum+), VIP lounge access (Noir) |
| 📅 Point expiration | After six months of no activity (Sapphire); no expiration date (Pearl+) |
| 🔄 Tier credit reset | Tier Credits reset annually on Jan. 1; tier status remains until February of year after |
What is MGM Rewards?
MGM Rewards, formerly M Life Rewards, is a program that allows customers to earn rewards on every dollar they spend in person at any MGM property. Aside from gambling and hotel rooms, members can also qualify for perks related to dining and entertainment.
MGM boasts over 20 resorts in the US. The list consists of 14 resorts and hotels in Las Vegas, seven others across the US, and others in China and Japan.
| Resort | State | Address |
|---|---|---|
| Bellagio | LV | 3600 S. Las Vegas Blvd., Las Vegas, NV 89109 |
| Aria | LV | 3730 S. Las Vegas Blvd., Las Vegas, NV 89158 |
| Vdara at Aria | LV | 2600 W. Harmon Ave., Las Vegas, NV 89158 |
| The Cosmopolitan | LV | 3708 Las Vegas Blvd S., Las Vegas, NV 89109 |
| MGM Grand | LV | 3799 S. Las Vegas Blvd., Las Vegas, NV 89109 |
| The Signature at MGM Grand | LV | 145 E. Harmon Ave., Las Vegas, NV 89109 |
| Mandalay Bay | LV | 3950 S. Las Vegas Blvd., Las Vegas, NV 89119 |
| W | LV | 3940 S. Las Vegas Blvd W., Las Vegas, NV 89119 |
| Four Seasons | LV | 3960 S. Las Vegas Blvd., Las Vegas, NV 89119 |
| Park MGM | LV | 3770 S. Las Vegas Blvd., Las Vegas, NV 89109 |
| NoMad | LV | 3772 S. Las Vegas Blvd., Las Vegas, NV 89109 |
| New York, New York | LV | 3790 S. Las Vegas Blvd., Las Vegas, NV 89109 |
| Luxor | LV | 3900 S. Las Vegas Blvd., Las Vegas, NV 89119 |
| Excalibur | LV | 3850 S. Las Vegas Blvd., Las Vegas, NV 89109 |
| Borgata | NJ | 1 Borgata Way, Atlantic City, NJ 08401 |
| MGM Springfield | MA | 1 MGM Way, Springfield, MA 01103 |
| MGM National Harbor | MD | 101 MGM National Ave., Oxon Hill, MD 20745 |
| MGM Grand Detroit | MI | 1777 Third Ave., Detroit, MI 48226 |
| Beau Rivage | MS | 875 Beach Blvd., Biloxi, MS 39530 |
| MGM Northfield Park | OH | 10777 Northfield Road, Northfield, OH 44067 |
| Empire City Casino | NY | 810 Yonkers Ave., Yonkers, NY 10704 |
Within the MGM umbrella there is something for everyone, from affordable to luxurious stays, to unique shows, experiences, and fine dining.
How points & tiers work
The rewards program consists of three categories: Tier Credits, MGM Rewards Points, and BetMGM Rewards Points. Tier Credits qualify you for status and perks, MGM Rewards Points are redeemable for hotel rooms and experiences at MGM properties, and BRPs are redeemable for different bonuses, transferred to partners, or transferred into MGM Rewards Points. Everything is tracked, and any special offers will appear within the MGM Rewards app.
We’ll start with a dive into the tier credits and status.
Tier credits and status
Tier Credits upgrade your status as an MGM customer. Moving up the tier credit ladder unlocks more perks through MGM. You can accrue Tier Credits through spending on “hotel folio” charges, as MGM calls it, and through playing at BetMGM’s casino and sportsbook, either online or in person.
Hotel folio charges include room rate, MGM owned restaurants and bars, shows, spa charges, and more. Basically, just taxes, tips, and complimentary rewards are not included.
- $1 spent = four Tier Credits
For sportsbook play at MGM:
- $100 straight bet at -300 or longer odds = 20 Tier Credits
- $100 parlay bet at +200 or longer odds = 50 Tier Credits
For poker:
- $100 in tournament fees = 500 Tier Credits
Casino play at MGM for Tier Credits is a bit trickier. Deep dives on Reddit claim that the hold of the casino played determines the Tier Credits you receive.
According to one Reddit user: “8TC / $1 Theo. Every theoretical dollar the house wins on a slot or table will earn you 8 tc’s”
Unfortunately, this is not published directly through MGM, so it’s difficult to say the exact amount you can collect via casino play. One thing is for certain though, always use a player’s card while playing. Earning something is better than nothing.
I’ve personally had dinners comped, extra slot dollars sent my way, and extra discounts/comped rooms for my casino play at MGM.
Take a look below at how many credits you need to advance to each level within MGM Rewards, along with each tier’s benefits.
| Tier | Credits | Perks and benefits |
|---|---|---|
| Sapphire | 0 to 19,999 | Discounted room rates and entertainment |
| Pearl | 20,000 to 75,000 | Free parking, bonus slot play, more personalized offers |
| Gold | 75,000 to 200,000 | No resort fee, priority check-in lines, $100 dining credit |
| Platinum | 200,000 and up | $600 air travel credit, $200 dining credit, annual five-day cruise benefit, complimentary early check-in and late check-out |
| Noir | Invite only | $1,200 air travel credit, $500 dining credit, annual seven-day cruise benefit, VIP lounge access, dedicated VIP host, guaranteed hotel reservations w/24-hour notice |
It’s important to note that Tier Credits reset after Dec. 31 each year, but tier status lasts through February of the following year.
From a pure Tier Credit earning perspective, for a casual online casino player or sports bettor who occasionally stays at MGM properties (Sapphire Tier), this program is in line with all of its competitors.
For a mid-tier to more serious gambler (Pearl to Gold Tier), this program is less valuable than competitors like Caesars. Comparable tiers at Caesars are quicker to reach than at MGM.
Finally, a dollar goes farther at MGM for a serious in-person tournament poker player or a VIP high roller who spends money in the hotel folio category. A ton of properties in the Las Vegas area makes it even sweeter for those located in that area.
For example, at Caesars, the Diamond Elite Tier — comparable to the Platinum Tier at MGM — requires 75,000 tier credits vs. 200,000 for Platinum Tier. That’s 2.66x the tier credits, but members earn 4x on hotel folio purchases at MGM vs. 1x at Caesars, as well as the 5x on poker tournament entry fees, something that varies over at Caesars.
MGM Rewards: Earning and redemption
MGM Rewards points accumulate for every dollar you spend on or at an MGM property. You’ll receive one Rewards Point for every $1 you spend at an MGM property. You’ll also accrue Rewards Points on casino play, but similar to the Tier Credits, that information is not outlined.
Customers also will earn Slot Dollars while playing slot machines, video poker, and video lottery terminals at MGM resorts. You can redeem Slot Dollars for free play at MGM properties. Slot dollars are unique to MGM Rewards and a huge positive for anyone who only plays slots.
Once customers accumulate enough points, they’ll want to use them, right?
Customers have an abundance of redemption options. From simply booking a room at an MGM property to a dinner, for example, at Prime Steakhouse at the Bellagio overlooking the fountains, to a famous show like Tournament of Kings at Excalibur, or for a table at a club like Marquee in the Cosmopolitan, there are countless options.
The rewards points are worth 1 cent. So 100 points = $1 toward an MGM experience.
For Sapphire members, rewards points expire after six months of inactivity. For members in any higher tier, rewards points will not expire.
The main thing to remember is to use the player card for EVERYTHING while at an MGM property. Paying the bill for dinner? Offer a player card. Sitting down to gamble? Hand the dealer a player card. Booking a stay? Ensure a player card is on the reservation.
On-property perks by tier (Vegas & nationwide)
The tier program gives clear perks to its loyal members to enhance experiences at on-property locations. MGM incentivizes members to spend time and money at its properties and rewards them for doing so.
Let’s get into a breakdown of the different tiers of on-property perks:
Pearl: First real reward tier at 20,000 tier credits. Sapphire is available at sign-up. Pearl is the first step up in Tier Credit status.
Comps and perks for Pearl:
- Free parking
- MGM Rewards Points and Slot Dollars don’t expire
- 10% off at participating MGM retail shops
- Complimentary tickets to select rewards concerts in Vegas
- Dedicated line at buffets
- 10% bonus on Slot Dollars
Gold: The middle reward tier at 75,000 tier credits. Includes everything from Sapphire and Pearl.
Comps and perks for Gold:
- Waived resort fees
- Priority check-in lines
- Complimentary valet parking
- $100 celebration credit
- Fine dining priority reservations
- Expedited reservation lines
- Exclusive tier appreciation events
- VIP line access to select Vegas nightclubs with a +1
- 20% bonus on Slot Dollars
Platinum: The last reward tier before invite-only at 200,000 tier credits. Includes everything from Sapphire, Pearl, and Gold.
Comps and perks for Platinum:
- $200 celebration credit
- Complimentary early check-in and late check-out
- One suite upgrade per year in Las Vegas (up to three nights)
- $600 air travel credit
- Dedicated line at cashiers
- Priority access to pool cabana, spa, and salon reservations
- 30% bonus on Slot Dollars
- 15% off at participating MGM retail shops
- Early preferred access to premium seating at entertainment and sporting events
- Expedited valet and taxi service
Noir: Invite-only reward tier. A true VIP within MGM. Includes everything from Sapphire, Pearl, Gold, and Platinum.
Comps and perks for Platinum:
- $500 celebration credit
- MGM Rewards Points earning limits increased
- 40% bonus on Slot Dollars
- $1,200 air travel credit
- VIP lounge access
- Guaranteed hotel, show, and restaurant
- Dedicated VIP host
BetMGM online casino and sportsbook
MGM has a dedicated rewards program for its BetMGM online casino. By signing up for BetMGM’s online sportsbook and casino app, you automatically enroll in the BetMGM rewards program to earn BRPs.
BetMGM online app customers have a rigid structure for earning points:
- $100 straight bet at -110 odds = 20 BRPs
- $100 parlay bet at + 300 odds = 50 BRPs
- $100 wagered on slots and instant win games = 20 BRPs
- $100 wagered on progressive jackpot slots = 10 BRPs
- $100 wagered on live table games (blackjack, roulette, etc.) = 4 BRPs
When it comes to earning BRPs, your tier status comes into play, as well. At Pearl status, you earn a 10% multiplier on BRPs. This increases incrementally by 10% at each tier and caps out at 40% with Noir status. A higher tier status = more BRP earning.
When it comes to spending those same BRPs, there is flexibility. Here is a breakdown of the options:
- Online sportsbook bonuses (odds boost and no-sweat tokens)
- 1,500 BRPs = $25 no sweat token
- Online casino bonuses
- 100 BRPs = $1 casino bonus
- Online poker bonuses
- 800 BRPS = $10 poker bonus
- Marriott Bonvoy partner point
- 1 BRP = 1 MBP
- MGM Rewards Point transfer
- 300 BRPS = $5 MGM rewards
- Merchandise (multiple options)
- 2,500 BRPs = MGM New Era hat
One option to note here is the Marriott Bonvoy partnership. You can transfer your BRPs into Marriott Bonvoy points and stay at their locations. This is a big benefit, considering most of MGM’s properties are located in Las Vegas within the US. The partnership with Bonvoy allows customers to put their rewards toward a vacation outside of MGM properties. That’s something other rewards programs don’t have!
Marriott Bonvoy will also match your tier status at MGM.
- MGM Gold = Bonvoy Silver Elite
- MGM Platinum = Bonvoy Gold Elite
- MGM Noir = Bonvoy Ambassador Elite
MGM Rewards Mastercard points
MGM Rewards offers two Mastercard credit card options. One is a basic credit card with no annual fee, and the other offers more perks with a hefty annual fee. Overall, these credit cards are probably not worth it unless you are truly loyal to MGM and spend a lot of time at its properties each year. Otherwise, a standard travel credit card offers very similar perks with a more widespread application.
| Feature | World Elite Mastercard | Iconic World Elite Mastercard |
|---|---|---|
| Annual fee | $0 | $249 |
| Earning at MGM Resorts | 3x Points + 3x TCs | 6x Points + 6x TCs |
| Earning on dining/gas | 2x Points + 2x TCs | 2x Points + 2x TCs |
| Earning on all other spending | 1x Point + 1x TCs | 1x Point + 1x TCs |
| Resort credit | None | $200 annually |
| Complimentary night | None | After $25,000 in annual spending |
| Automatic tier status | Pearl status | Pearl status |
| Comps usable for | Rooms, dining, slots, shows | Rooms, dining, slots, shows |
| Welcome bonus | 10,000 points after $1k in spending | 40,000 points + 10,000 TCs after $5k in spending |
| Boost to tier status | Helps accelerate to other tiers | Helps accelerate to other tiers + 10,000 TC bonus after $25,000 in annual spending |
| Redeem points | 1:1 @ MGM Resorts | 1:1 @ MGM Resorts |
| Foreign transaction fees | None | None |
Compare rewards: MGM vs. Caesars vs. Wynn
| Feature | MGM Rewards | Caesars Rewards | Wynn Rewards |
|---|---|---|---|
| Tier names | Sapphire → Noir (five tiers) | Gold → Seven Stars (six tiers) | Red → Black (three tiers) |
| Resort fee waived | Gold | Diamond | None |
| Free parking | Pearl | Platinum | Platinum |
| Online integration | Yes | Yes | Yes |
| Credit card (name+level) | MGM Rewards World Elite Mastercard | Caesars Rewards Visa Credit Card | None |
| Loyalty sentiment | Best for Vegas, great perks for VIPs | Most widespread, better perks at lower tiers | For loyal Wynn customers mainly |
Comped rating: 4.3 / 5
Overall, MGM has a lot of high-end properties, especially in Las Vegas, and its rewards program favors the high rollers who spend a lot of time at those properties. The MGM hotel portfolio is less widespread than Caesars but makes up for it in quality. The program also offers a partnership with Marriott Bonvoy to make up for its lower number of resorts outside of Las Vegas.
You can move up the lower-level tiers slightly more quickly at Caesars, but you’ll benefit more at MGM if you are a bigger spender. The opinion in several recent online discussions is that the rewards programs are not as strong as they used to be with the emergence of online gaming in many states. While this is true, MGM Rewards still offers valuable perks to its customers and is worthwhile to take part in.
MGM Rewards FAQ
BetMGM online app customers have a rigid structure for earning points.
$100 straight bet at -110 odds = 20 TCs
$100 parlay bet at + 300 odds = 50 TCs
$100 wagered on slots and instant win games = 20 TCs
$100 wagered on progressive jackpot slots = 10 TCs
$100 wagered on live table games (blackjack, roulette, etc.) = 4 TCs
Tier credits contribute to your status within the MGM Rewards program, while you can redeem Rewards Points for perks at MGM properties.
For Sapphire members, Rewards Points expire after six months of inactivity. For members in any higher tier, rewards points will not expire.
The fastest ways to reach Gold or Platinum status all involve getting the MGM Rewards Elite Mastercard. This card will bump you directly up to Pearl (step below Gold) and offers 3x TC for money that you spend at MGM properties.
Yes, you can redeem your MGM Rewards Points to contribute to hotel stays at MGM properties.
Your BetMGM account will automatically link to your MGM Rewards account.
Yes, the MGM Rewards Mastercard offers 3x points and Tier Credits on spending at MGM properties versus the 1x standard offer without the card.
All of the properties offer perks for members in the Pearl tier and higher. The best perks depend on the experience you are looking for.