Mlife Credit Card Review: Is it Right for You?


Mlife Credit Card

The M life Rewards Mastercard gives you automatic Mlife rewards status and allows you to earn rewards points and tier credits to advance to higher Mlife Tiers on all purchases made with the M life credit card. Purchases made with the Mlife Mastercard earn both tier credits and points that can be used at MGM M life casinos and hotels worldwide. The Bougie Miles Mlife Credit Card Review will cover the benefits, value and pros and cons of this no fee card issued by First Bankcard.


M life Rewards Points can be redeemed for FREEPLAY, and Express Comps for use on rooms, dining and entertainment.Mlife Credit Card

Mlife Rewards Mastercard Benefits

  • Automatic Upgrade to Pearl Level Status
  • Priority Hotel Check-in at M life Resorts
  • No Annual Fee
  • No Foreign Transaction Fees
  • Mlife Tier Benefits (come with the card since it gives you automatic Pearl Status for being a cardholder)
    • Complimentary Self Parking at Las Vegas Resorts
    • Buffet Line Pass at Las Vegas Resorts
    • 10% Bonus on Points and Express Comps for gaming spend.
    • Sign-Up Bonus
Caesars Status Match to Diamond From Other Casinos

MLife Mastercard Rewards

Points and Tier Credits Bonus Earnings

  • 3X points and tier credits per $1 spent at MLife Rewards destinations
  • 2X points and tier credits per $1 spent on gas station and supermarket purchases.
  • 1X points and tier credits per $1 spent everywhere else.

Sign-Up Bonus Value

The current sign-up bonus is 10,000 points after you spend $1,000 on the card in it’s first 3 billing cycles. This is worth approximately $100 so it’s about a 10% return on the required $1000 in spend.

How to Redeem Mlife Rewards Points

Rewards earned on the M life Mastercard can only be used at Mlife Properties so this could be a drawback for anyone who doesn’t travel to Mlife destinations, although it would be unlikely for those people to consider the co-branded credit card. They are worth $.01 each when they’re redeemed for Express Comps or FREEPLAY.

Points (earned on slot play and the M life Rewards Mastercard)

  • Earn Points when playing your favorite slots or video poker machines
  • Redeem your Points for FREEPLAY (simply select POINTPlay from the menu at any slot machine)
  • Convert points to Express Comps at any M life Rewards desk


  • Free slot play is only available at the casino where you converted points to FREEPLAY

Express Comps (can’t be used for free play)

  • Redeem Express Comps for hotel accommodations, dining, entertainment, M life Rewards Moments and more at any M life Rewards destination

mlife credit card

What hotels are part of M life rewards?

Designated resorts in the US that participate in the M life Rewards Program, which currently include Bellagio, ARIA, Vdara, MGM Grand, Las Vegas, The Signature at MGM Grand, Mandalay Bay, Delano Las Vegas, The Mirage, New York-New York, Luxor, Excalibur, Beau Rivage, Gold Strike Tunica, MGM Grand Detroit, MGM National Harbor, Park MGM Las Vegas, MGM Springfield, NoMad Las Vegas, and Borgata. Visit this page for participating M life Rewards destinations.
2021 Caesars Rewards Guide (Plus Earning and Redeeming Tier Credits, Rewards Credits and Benefits)

Is the Mlife credit card worth it?

The M Life Rewards MasterCard is a decent option for MGM M life fans if they’re looking for a fee free credit card with a few perks for casino visits. Free parking is probably the most valuable perk of this no annual fee card and access to priority check in at Mlife Resorts is a close second. Anyone who has waited on a long line at Borgata, Bellagio and Aria knows how much time can be saved with this value added perk. Automatic Pearl status and bonus earning categories that can help you reach higher status levels can be helpful in certain circumstances.


Disclosure: Bougie Miles has partnered with CardRatings for our coverage of credit card products. Bougie Miles and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


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