NET PURCHASES: “Net Purchases” are authorized, new purchases posted to the Account on or after the Enrollment Date, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing items.
Net Purchases do not include: (a) annual fees, finance charges, and other fees or charges posted by us to the Account; (b) cash advances (including, but not limited to, purchases of money orders or other cash equivalents)
or special check transactions; (c) balance transfers; (d) charges for other products, services, or benefits that we provide; or (e) other transactions that we determine not to be eligible. “MGM Rewards Purchases”
are Net Purchases made only at participating MGM Rewards Destinations and their respective websites, including www.mgmrewards.com, or at participating merchants located on the premises of participating MGM
Rewards Destinations. “MGM Rewards Destinations” are designated resorts in the United States that participate in the MGM Rewards Program, which currently include Bellagio, ARIA, Vdara, MGM Grand Las Vegas,
Cosmopolitan of Las Vegas, The Signature at MGM Grand, Mandalay Bay, Delano Las Vegas, Park MGM Las Vegas, NoMad Las Vegas, New York-New York, Luxor, Excalibur, MGM Springfield, MGM National Harbor,
MGM Grand Detroit, Beau Rivage, Borgata, MGM Northfield Park, and Empire City Casino. Please visit www.mgmrewards.com for more information on participating MGM Rewards Destinations.“Gas Purchases” are Net
Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Service Stations (with or without ancillary services)” (MCC 5541) or “Automated Fuel Dispensers”
(MCC 5542). “Supermarket Purchases” are Net Purchases made at any merchant whose merchant category code (“MCC”) is classified by the payment card industry as “Grocery Store/Supermarket” (MCC 5411),
“Freezer and Locker Meat Provisioners” (MCC 5422), “Candy, Nut, and Confectionary Store” (MCC 5441), “Dairy Products Stores” (MCC 5451), “Bakeries” (MCC 5462), “Convenience Stores and Specialty Markets”
(MCC 5499) or “Package Stores – Beer, Wine, and Liquor” (MCC 5921). Merchants that sell grocery items may not necessarily have one of these MCCs.The MCC is a four-digit code used by the payment card industry
to classify a merchant’s primary business. Some merchants may have multiple MCCs (even within the same retail location) and some merchants might be expected to be classified into one of the MCCs identified above,
but they may not be classified as such. This could affect whether purchases made from such merchants will qualify as Gas Purchases, Supermarket Purchases,or other Net Purchases and, as a result, how many Points
will be earned on such transactions. We do not assign MCCs to merchants and we are not responsible for confirming or monitoring the MCC assignments made by the payment card networks.
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.
MGM REWARDS POINTS AND TIER CREDITS: The Account must be open and your enrollment in the Credit Card Rewards Program must not be suspended in order for Points to be reported to the MGM Rewards
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.
TIER MEMBERSHIP AT PEARL STATUS: Unless you were already at a higher MGM Rewards tier, your MGM Rewards tier was automatically set at Pearl when your Account was issued. Please note, however, that it
can take up to 14 days after the Account is opened for the benefits associated with Pearl to be reflected on the MGM Rewards Program account. While you may still advance your MGM Rewards tier based on the number
of Tier Credits you earn, your MGM Rewards tier will remain at least Pearl as long as the Account remains open. Once your Account is closed, however, your MGM Rewards tier will be based solely on the terms and
conditions of the MGM Rewards Program and will no longer be set automatically at Pearl.
REWARDS AND REDEMPTION: All terms and conditions pertaining to the MGM Rewards Program will apply. MGM Resorts is solely responsible for redemption and for all other aspects of the MGM Rewards Program.
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.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.