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MGM Rewards Mastercard®
T-MGM-15KLTO-2206
Cards are issued by First National Bank of Omaha, which is referred to below as “we”, “us”, “our”, and “FNBO®”.
PLEASE NOTE: You must be at least 21 years of age at the time of application, and an MGM Rewards member in good standing, to be eligible for an MGM Rewards World Mastercard®, and to have its rewards program. If you are at least 18 but not yet 21 and you would like to apply for an FNBO Edition® Mastercard® that does not have a rewards program, then please visit www.card.fnbo.com/fnbomnr. Your MGM Rewards Program account may only be linked to one MGM Rewards Mastercard® account. Multiple applications for the MGM Rewards Mastercard® may be declined.
IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS) | |
Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases | 20.24% when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 20.24% This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | 20.24%. This APR will vary with the market based on the Prime Rate. |
Penalty APR and When it Applies | None |
How to Avoid Paying Interest on Purchases | Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.1 |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.75. |
For Credit Card Tips from the Consumer Financial Protection Bureau | |
Fees | |
Set-up and Maintenance Fees
| None None |
Transaction Fees
| Either $10 or 5% of the amount of each transfer, whichever is greater Either $15 or 5% of the amount of each cash advance, whichever is greater Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater None |
Penalty Fees
| Up to $40 Up to $35 |
When you become a cardmember, the Index will be effective for the entire billing cycle that ends in the second month after the determination date. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published in The Wall Street Journal in May.
1 We will begin charging interest on cash advances and balance transfers on the transaction date.
Your account will generally have monthly billing cycles. However, your first billing cycle may be more or less than one month.
Payments on your account will be generally applied as follows: (a) the minimum payment amount will be applied to balances with the lowest APRs before balances with higher APRs; and (b) any amount you pay in excess of the minimum payment will be applied to balances with the highest APRs before balances with lower APRs.
Each balance transfer is subject to our approval and we are not liable if we do not make any balance transfer you request. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount may be less than your total credit limit). If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. You may not transfer balances from other accounts you have with us or our related companies. In addition, we may not process a balance transfer request if it is incomplete, illegible or written to cash. Each balance transfer is subject to applicable fees and finance charges and does not have the benefit of an interest-free (grace) period.
Please consider the following when asking for a balance transfer: (a) To protect your rights, you should not transfer any amount that you dispute, (b) you should continue to make all payments due on the other accounts until you receive notice from them that they have been paid in full, (c) you are liable for any late payments, finance charges or disputed amounts on your other accounts, and (d) if you want your other accounts closed following a balance transfer, you are responsible for doing so.
your credit report.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Married applicants may apply for separate accounts in their own names.
granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must furnish name and address of their spouse to FNBO at P.O. Box 3437, Omaha, NE 68172-9981.
each applicant may be liable for all amounts of credit extended under this account to each joint applicant.
in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action. Please review the Cardmember Agreement and its arbitration provision carefully before you use or allow someone else to use an account.
The arbitration provision will not apply to you if, at the time your account is opened, you are a covered borrower under the Military Lending Act and U.S. Department of Defense regulations (32 C.F.R. pt. 232). For example, you would generally be a covered borrower if, at the time your account is opened, you are: (1) a member of the U.S. armed forces on active duty under a call or order not specifying a period of 30 days or less; (2) an active Guard or Reserve; or (3) a spouse or dependent of a person who qualifies under (1) or (2).
IMPORTANT REWARDS PROGRAM INFORMATION MGM REWARDSTM MASTERCARD® CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUMMARY
Please read this Terms and Conditions Summary for important information about the MGM RewardsTM Mastercard® Credit Card Rewards Program (“Credit Card Rewards Program”). First National Bank of Omaha, is referred to below as “we”, “us”, “our”, and “FNBO®”. FNBO is the issuer of the credit card account(s) (“Account”) and the sponsor of the Credit Card Rewards Program. The Credit Card Rewards Program is offered at our sole discretion and is dependent on the participation and cooperation of MGM Resorts International Operations, Inc. (referred to as “MGM Resorts”).
Rewards can be earned in two ways: through the (the “MGM Rewards Program”) provided and administered by MGM Resorts and through the Credit Card Rewards Program.
The MGM Rewards Program may, at MGM Resorts’s sole discretion, offer additional or promotional opportunities to earn a greater number of MGM Mastercard Points in connection with certain purchases or promotions. There may be a limit to the number of MGM Mastercard Points that can be earned in connection with such purchases or promotions, and certain exclusions, and limitations, on redemption may apply, as determined by MGM Resorts.
Membership in the MGM Rewards Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the MGM Rewards Program.You can enroll in the MGM Rewards Program by registering at www.mgmrewards.com. Enrollment in the Credit Card Rewards Program for MGM Rewards Program members will occur automatically when the Account is opened. The MGM Rewards Program membership and MGM Rewards Program account will remain in force in accordance with the terms and conditions of the MGM Rewards Program, even if an Account is not opened. If enrollment in the MGM Rewards Program is terminated or cancelled for any reason, we may terminate enrollment in the Credit Card Rewards Program.
EARN POINTS | Earn 3 Points for each $1.00 of MGM Rewards Purchases posted to the Account |
Earn 2 Points for each $1.00 of Gas Purchases or Supermarket Purchases posted to the Account. | |
Earn 1 Point for each $1.00 of Net Purchases posted to the Account that is not from an MGM Rewards Purchase, Gas Purchase, or a Supermarket Purchase. | |
BONUS EARNINGS | In addition to the above, you will earn 15,000 bonus Points after the first $1,000 in Net Purchases are posted to the Account within the first 3 consecutive billing cycles after the Account is opened. Please allow up to 8 weeks after bonus Points are earned for these bonus Points to be added to your Point balance (Account must be open and enrolled in the Credit Card Rewards Program at that time). Your Account will generally have monthly billing cycles (whether or not you receive an Account billing statement for the month). However, your first billing cycle will begin on the day you open your Account and may be more or less than one month. |
ANNUAL CREDIT CARD REWARDS PROGRAM FEE | There is no annual Credit Card Rewards Program fee. However, please review the “Fees” Section in this Summary of Credit Terms for information on possible annual or monthly set-up and maintenance fees associated with the Account. |
LIMIT ON POINTS EARNED | There is no limit on the number of Points that can be earned, but if we offer bonus Points, we may limit the number of bonus Points awarded for certain purchases and/or promotions. |
POINT EXPIRATION | Please see the MGM Rewards Program Rules at www.mgmrewards.com for information regarding expiration, redemption, forfeiture, and other limitations on MGM Mastercard Points and Tier Credits. |
POINT FORFEITURE | If the Account is closed for any reason, enrollment in the Credit Card Rewards Program will be terminated and any accumulated Points not yet awarded in the Credit Card Rewards Program may be forfeited. |
POINT REDEMPTION | Each Point earned in the Credit Card Rewards Program will equate to 1 MGM Mastercard Point, which will be redeemable only through the MGM Rewards Program. |
REDEMPTION REQUESTS | Points are redeemable only after they are reported to the MGM Rewards Program. Please see the MGM Rewards Program terms and conditions at www.mgmrewards.com for information on MGM Mastercard Point redemption. |
We reserve the right to determine, in our sole discretion, whether transactions qualify as MGM Rewards Purchases, Gas Purchases, Supermarket Purchases,or Net Purchases, and our determinations shall be final. POINTS: Points are not earned in the Credit Card Rewards Program until they appear on the Account billing statement. Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit, or dispute. We reserve the right to retroactively correct errors made in Point awards. Points will not be earned if the Account cannot be used for new purchases or participation in the Credit Card Rewards Program has been suspended. If a credit card is reported lost or stolen, we will temporarily suspend our awarding of Points in the Credit Card Rewards Program until a new card is issued. At our sole discretion, we may award additional bonus Points in connection with certain purchases and/or promotions. Additional details and additional terms and conditions will be provided with such offers and are in addition to the Credit Card Rewards Program Terms and Conditions unless otherwise specified therein. We reserve the right to determine which Net Purchases are eligible for bonus Points.
Program. Points earned in the Credit Card Rewards Program will be reported each month to the MGM Rewards Program. MGM Resorts will make the corresponding number of MGM Mastercard Points available in your MGM Rewards Program account based on the number of Points reported from the Credit Card Rewards Program. In addition to MGM Mastercard Points, MGM Resorts will award you 1 Tier Credit for each Point earned from MGM Rewards Purchases, Gas Purchases, Supermarket Purchases, and Net Purchases. MGM Resorts will not award Tier Credits for Points earned through bonuses and promotions.
MGM Mastercard Points will be redeemed as stated in the MGM Rewards Program terms and conditions found at www.mgmrewards.com. MGM Resorts may impose additional conditions, restrictions, and limitations on redemption and/or expiration of MGM Mastercard Points. We are not responsible for the MGM Rewards Program or for MGM Resorts products, services, or decisions or its refusal to redeem MGM Mastercard Points. We are not responsible for making MGM Mastercard Points available in a MGM Rewards Program account, including any decision by MGM Resorts not to credit a MGM Rewards Program account based on Points we have reported.
We may change or terminate the Credit Card Rewards Program in our discretion at any time with or without prior notice to you except where required by law.
MGM Resorts International offers GameSense information to its patrons to encourage responsible gaming at mgmresorts.com/gamesense (in MA at gamesensema.com). If you or someone you know has a gambling problem or concerns with gambling responsibly, please call the 24-hour Problem Gamblers HelpLine at 800.522.4700 or call 800-GAMBLER (in NJ and MD), 800.426.1234 (in MA), 800.270.7117 (in MI), 877.8HopeNY or text HOPENY (467369) (in NY), or 800.589.9966 (in OH). Or visit mdgamblinghelp.org (in MD), masscompulsivegambling.org (in MA), or org.ohio.gov (in OH) for help. Please play responsibly. If you bet more than you can afford to lose, you’ve got a problem.
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