Sunday, February 5, 2023

Is Mlife Credit Card Worth It

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MGM M Life Credit Card Review (MLife)

Hardest Credit Cards To Get of 2020:Hardest Overall: Centurion® Card from American Express.Luxury Travel: J.P. Morgan Reserve Credit Card.Rewards: U.S. Bank Altitude Reserve Visa Infinite® Card.Business: Wells Fargo Business Elite Signature Card®Travel: Bank of America® Premium Rewards® credit card.More items

Which Casinos & Resorts Are Part Of The Mgm Mlife Rewards Program

MGM is one of the largest casino groups in Vegas and have casinos across the country. Why choose MGM? It is one of our top choices because there are lots of ways to save and resorts and casinos for every taste and budget. When were talking about MLife resorts in Vegas, heres the properties you will find in Vegas:

Mandalay Bay, Delano Las Vegas, Luxor, Excalibur, New York-New York, Park MGM, Aria, Vdara at Aria, Nomad, MGM Grand, The Signature at MGM Grand, Bellagio, The Mirage, and Circus Circus all fall under the MLife program. MGM also runs the T-Mobile Arena, Park Theatre, MGM Grand Garden Arena, and the Mandalay Bay Event Center. These partnerships include most of the restaurants, events, shows, and more that are held at the casino, which gives you exclusive access to discounts on many of the best events in Vegas.

Get A Different Credit Card

The app itself needs work. The bankers cant make changes to the app so you will get added and hidden fees if you dont make the changes yourself and its difficult to do when the app wont allow you to delete account information. This card offers no real rewards other than a few points here and there. The bankers customer service find it easier to place blame on their customers rather than show empathy or apologize once in a while. This card will also charge you interest on a zero balance even after you pay it all off in full. The penalty charges or interest add ten dollars every time after you make a mistake and they will only remove one fee but your stuck paying the rising fees. Just get a different credit card, this one is too much hassle and the app doesnt give notifications.

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What Is The M Life Rewards Mastercard

M life Rewards is the loyalty rewards program for MGM Resorts International casino properties. As part of this loyalty program, M life Rewards offers the M life Rewards Mastercard where you can turn everyday purchases into elevated experiences by earning M life Rewards points that can be redeemed for FREEPLAY® and Express Comps that can be used on rooms, dining, entertainment and much more.

Should I Get The Caesars Rewards Visa

MGM M Life Rewards Credit Card Review

Once again, if you are in Las Vegas frequently and plan to spend time and money at Caesars Rewards properties this card could be a strong option offering 5x points redeemable for comps and free play. Free parking alone worth $15 a day at Caesars Palace is a valuable benefit from a card with no annual fee.

At 2 points for purchases on airline travel, gas and groceries and 1 point per dollar for all other purchases, the benefits of this card are comparable to other cash back cards on the market. If self-parking is not of interest or you dont spend a hefty amount at Caesars properties I would advise opting for a traditional cash back card that wont limit your reward spending to a particular brand.

Note that the Caesars Rewards Visa does NOT offer free foreign transactions like its M life counterpart. Leave this card at home if traveling abroad.

Casino loyalty branded credit cards are NOT for everyones wallet. In summary, you should consider one or both options if you:

  • Plan to park in Las Vegas With no annual fee, receiving free self-parking is cash in your pocket.
  • Spend money at the resort. Charges for rooms, meals, and merchandise at the property are rewarded at a healthy 3x or 5x .
  • Dont mind being restricted to redeeming your points for comps and purchases with one set of properties.
  • Have an upcoming trip and would like to earn either cards 10,000 point bonus after meeting spend requirements.

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Mlife Credit Card Login

There are plenty of reasons why you might need to make a Mlife credit card login. For instance, you might need to check your balance or rewards, as well as to pay your credit card. At this point of our Mlife credit card review, we will demonstrate you how to do it step by step.

  • First of all, you should open your browser and click on the following button:
  • On the next page, you will get to see a small online banking form, placed to the right side thats the place where you can make a Mlife credit card login. For that purpose, you should start entering your user ID in the given field.
  • You can also check the box near Remember Me that will allow you to save your user ID for future sessions.
  • Once you are ready, you should click on the Log In button.
  • If the user ID you entered was correct, you should type your password in the field on the next page.
  • Eventually, you have to click on the SUBMIT button and finalize this login procedure.
  • If all the information you entered was correct, you will log in to your credit card account in a matter of seconds.

The M Life Elite Program

M Life is the rewards program of MGM Resorts. Beyond Pearlstatus discussed in the previous section, the next M Life tiers are Gold,Platinum, and Noir. The entire list of benefits for each tier is describedhere.

Gold status is earned with 75,000 tier credits or bymatching Hyatt Explorist status or higher . It entitles youto all the benefits of Pearl, plus:

  • An additional 10% bonus on points earned playingslots, for a total 20% total bonus
  • Priority hotel check-in
  • Room upgrades
  • Dedicated line at participating restaurants andpriority reservations
  • VIP line at select nightclubs
  • Complimentary valet parking

Platinum status, which requires 200,000 tier credits,gets you all the benefits of Pearl and Gold, plus:

  • Annual complimentary cruise on Royal Caribbeanor Celebrity Cruises
  • Another 10% bonus points, for a total 30% bonus
  • Priority access to pool cabanas, valet, and taxiservices

The top-level status, Noir, is by invitation only,and there are no specified criteria to get an invite. Its safe to say itlikely requires significant play beyond what would be necessary to getPlatinum.

M Life status runs from October through September. However,like most elite programs, the status you qualify for will be valid for theremainder of that membership year and the entirety of the following year.Therefore, if you initially qualified for any of the M Life tiers in November2019, you will retain that status through September 2021.

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Earn Elite Night Credits

You’ll also receive five qualifying night credits each year to help you move your elite status up a notch. Big spenders will like the option to earn two additional qualifying night credits toward the next tier for every $5,000 they spend on the credit card. There is no limit to the number of additional qualifying credits you can earn, so big spenders could earn top-tier World of Hyatt elite status without paying cash for a room.

These are the requirements to achieve each level of elite status with World of Hyatt:

Membership Level
100,000 20

Remember that since the World of Hyatt Credit Card gives you automatic Discoverist status, your climb up the elite status ladder starts from there.

Those That Have It Is The Mlife Credit Card Worth It

Should you get the Mlife or Caeser credit cards?

We come to Vegas once a year and a 5 night stay is usually comped at any property. Im already Gold level so wondering if it makes sense to get the mLife credit card versus other reward cards we already have in the wallet. Thanks!

19 replies to this topic

Well, I got it when first offered just for the perks. Never used it and they cancelled which was fine. I had a host by then and card meant nothing

They do run a credit check and may affect credit score.

If one visits MLife properties in Vegas/ elsewhere with some consistency, there are some perks . After having / using this card for a couple of years, it’s OK for customers who patronize MLife properties …IF they pay off the balance monthly. Accrued long-term interest costs on any CC overwhelm / remove any listed upfront program perks in terms of real dollar value…but you knew that.

Getting the card was a good deal for my wife and I. We had about $300 in Express Comps that were due to expire at the end of the year. Making a few purchases with the card put a few points on our account and protected the Express Comps. Although I originally got the card to keep from losing our Express Comps, I realized that the points I get can also be converted to freeplay. As Chuck60 stated, this is good only if you pay off the credit card in full each month and never pay any interest. We haven’t paid any interest on a credit card for the last 25 years, so it works well for us.

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Casino Loyalty Credit Cards Caesars Rewards Vs Mlife

This post contains affiliate links and we may earn a commission if a purchase is made.

Im always in pursuit of new credit cards that will deliver value whether that be discounts, points, cash back, etc. Ive cycled through my fair share of travel reward card options and wondered if the Mlife or Caesars Rewards branded credit cards are worth adding to the Las Vegas regulars wallet.

Lets take a look at the two primary casino loyalty branded cards which are affiliated with Caesars Entertainments Caesars Rewards and MGM Resorts Mlife Programs to help you gauge if applying makes sense.

$0 Foreign Transaction Fees

With World of Hyatt Credit Card, youll pay a $0 foreign transaction fee when making purchases internationally. Some banks charge up to 3% for foreign transaction fees, so this benefit can really add when you travel internationally. Since a large percentage of Hyatt properties are outside the U.S., having no foreign transaction fees may come in handy for a loyal traveler who wants to make the most of the program.

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Key Benefits Of Caesars Rewards Visa Card:

  • 10,000 reward credits after you spend $750 in 90 days .
  • Reward credits earned dont expire as long as you earn at least one reward credit every 6 months.
  • No Annual Fee.
  • Automatic Upgrade to Platinum Status after your first purchase which entitles you to free self-parking, 15% discount at spas/gift shops, preferred pricing at Caesars restaurants, pre-sale access to select shows and a complimentary buffet pass after your first purchase is made. To maintain Platinum Status within the program cardholders will need to spend a minimum of $5,000 per year.
  • VIP Status is earned after $10,000 in calendar year spend granting the cardholder access to VIP lines at restaurants, for check-in, and the taxi queue. Additionally, you will be able to access all Caesars Entertainment property Las Vegas Pools.

Mlife Rewards Mastercard Review Bottom Line


The Mlife Rewards Mastercard has been around awhile, but the company doesnt seem to want to make any changes. That is unfortunate since it is a truly niche card, but I suspect enough people are signing up just to get the free parking. For most people a different travel rewards credit card or the World of Hyatt Credit Card are probably better options.

Do you agree with our Mlife Rewards Mastercard review? Do you have this card and elite status with Mlife? Share your thoughts below!

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M Life Credit Card Sign Up Bonus And Benefits At Mgm

The M Life Credit Card is the only co-branded MGM credit card on the market. While its signup bonus is not as high as the Hyatt, Marriott, and Hilton credit cards, it comes with some benefits that may be valuable to frequent visitors of U.S. MGM properties. That includes automatic elite status and the ability to earn a higher status through spending on the card.

This post will look at the benefits of the card, as well as analternative, and a faster way to obtain a higher M Life tier without signing upfor the card.

Get Account Alerts Whenever Something Unexpected Occurs

You can even set up special alerts so that if your account gets to a certain level of available credit or you go over your limit, you get account alerts. That way you always know exactly whats going on and if you didnt make the purchase, then youre able to alert the staff of potential fraud much earlier.

With all these benefits, its easy to see why so many people choose to keep this card in their possession. There are tons credit cards out there, but theyre not all a good fit for everybody. In fact, you might even argue that some of them are not a good fit for anyone. Fortunately, this one seems to be in a class thats practically by itself. That makes it a lot easier when youre looking for ways to stay on top of your financial future.

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Get Your Mlife Card Asap

The first step to getting deals and comps at MGM resorts is to sign up for MLife Rewards. Without this card, you are missing out on all the benefits. You can sign-up before you go to ensure you have your account. You can stop by any MLife counter on any MGM casino floor to get your cards and use it everywhere you go!


You should sign up now because even the entry level of MLife gets hetter rates on MGM hotels. You should create your account, choose the best offer for your tier, and book directly to ensure youre getting all the points and discounts you deserve. MLife members will get 15% plus off regular rates, so the 2 minute sign-up can save you big!

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We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.

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Noir: By Invitation Only

  • Complimentary limo service to and from the nearest airport with your hotel stay
  • 30% bonus on iRewards Points earned on BetMGM

Bottom Line: Your M life Rewards elite level is determined by the number of Tier Credits you earn over 1 year, from October 1 through the following September 30. As soon as you reach the required number of points for the next tier level, youll advance automatically, giving you at least 1 full year of the higher levels benefits. Your level is based on the Tier Credits you earned in the previous earning cycle .

Is The M Life Rewards Credit Card Worth It

The M life Rewards credit card may be worth it for some consumers. The card has no annual fee, so theres no cost to keeping it in your wallet. But, there are a few aspects to the card that generally make it a sub-par option.

First, the earning rates are low. Specifically, since M life Rewards points are worth one cent each, this means youll get a return of 3% at M life Rewards destinations, 2% on gas and supermarket purchases and 1% on everything else.

You can get higher earning rates at M life Rewards destinations using one of the best credit cards for travel purchases such as the Chase Sapphire Reserve or American Express® Green Card. You can also get a better return on other purchases using one of the best credit cards for everyday spending, such as the Citi® Double Cash Card.

The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Second, the rewards earned by the M life Rewards credit card must be used at M life Rewards destinations. In a time where cash is king for many consumers, you may prefer to use a cash back rewards credit card. Interestingly, only those aged 21 and up qualify for this card.

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How Much Are Points Worth

Its no good knowing how many points this card earns unless we know what these points can actually be used for. As mentioned in the marketing material these points can be redeemed for FREEPLAY® or Express Comps. If youre anything like me, you probably have no idea what those mean.

  • Express comps are basically considered resort credit, if something can be charged to your room then it can be paid with an express comp. They officially define it as Real-time Express Comps are the fastest and most convenient way for gaming members to comp themselves at M life hotels, restaurants and entertainment venues. If a member is playing at a slot machine and gets the urge to grab a bite to eat or wants to purchase a show ticket, they can use their M life card to instantly redeem rewards at participating venues. Express Comps appear as dollars, making redemption transparent and simple
  • Freeplay are basically gambling credits. They can be used on most slot and video poker games.

1 Mlife point is equal to 1¢, regardless of whether you use it for an express comp or freeplay . This means the sign up bonus is worth a maximum of $100 and the card earns at a maximum of 3% on M life destinations and 2% on gas & supermarkets and 1% on all other purchases.

Its possible to earn more with other , supermarket purchases& non bonused spend as well. Also keep in mind you need to redeem a minimum of 1,000 points when using them for Express comps. There is also a cap of $5,000 for express comps .

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