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Reward Your Routine

Earn points on everyday purchases with the M life® Rewards Mastercard®

We’re here to help you make the most of your account and how to manage it.

Using Your Credit Card

Using your card for monthly bills, everyday purchases and within digital wallets is easy.

Understanding Benefits

Confidently use your credit card with Zero Liability and FICO® Credit Score access.

Paying Your Bill

Account payments are easy with many convenient options.

Additional Services

Learn how to add an authorized user, request a credit increase and more.

M Life credit card art

M lifeĀ® Rewards MastercardĀ®

With the M life Rewards Mastercard, you can turn everyday purchases into elevated experiences by earning M life Rewards Points. And, more M life Rewards Points means you can earn exclusive access, valuable benefits, and incredible rewards faster and enjoy world-class offerings at M life Rewards destinations more often. 

You earn Points and Tier Credits1

You earn M life Rewards everywhere you make purchases with your card. Those rewards can be redeemed for FREEPLAY®, or Express Comps™ to use towards rooms, dining and entertainment. You also earn Tier Credits that help you advance to a higher tier and enjoy additional benefits exclusive to cardholders.

Your Points and Tier Credits add up fast

Earn up to 3 Points and 3 Tier Credits per $1 spent1 when you make purchases with your M life® Rewards Mastercard®. Use it for purchases at M life Rewards destinations, supermarkets, restaurants, on gas – everywhere you shop.

  • 3X - Earn 3 points and 3 tier credits per $1 spent at M life Rewards Destinations1
  • 2X - Earn 2 points and 2 tier credits per $1 spent on gas and supermarkets1
  • 1X - Earn 1 point and 1 tier credit per $1 spent everywhere else1
You get Pearl Status

Pearl Status entitles you to free self-parking, a buffet line pass at Las Vegas Resorts and many other exciting perks. Your M life Rewards Tier will remain at least Pearl Status as long as your M life Rewards Mastercard account remains open and in good standing.

You get priority check-in privileges

Show your M life Rewards Mastercard when you arrive to gain access to priority hotel check-in at any M life Rewards destination.

Frequently Asked Questions

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1 See your Credit Card Rewards Terms and Conditions for details. For Pearl and higher Tiers, Points do not expire as long as you have activity (including use of your M life Rewards Mastercard) within a 12-month period. MGM Resorts International owns the M life Rewards program. Please visit or call 866.789.6716 for M life Rewards program rules, including earning, redemption, expiration or forfeiture of Points and Tier Credits. M life Rewards Tier will remain at least Pearl Status as long as your account remains open and in good standing.

MGM Resorts International endorses responsible gaming. If you or someone you know has a problem gaming responsibly, please call the 24-hour Problem Gamblers HelpLine at 800.522.4700. Excludes Michigan Disassociated Persons.

FICO and “The score lenders use” are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries.