(Targeted?) Increased Mlife Rewards Credit Card Offer

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 Mlife Rewards Credit Card

(Targeted?) Increased Mlife Rewards Credit Card Offer

Shawn and PDX Deals Guy received emails with an increased offer for the Mlife Rewards credit card.  The increased offer may make this a card worth getting if you frequent Las Vegas and enjoy Mlife properties.

Details on the Offer

The standard offer on the Mlife Rewards credit card is for:

  • 10,000 bonus points (worth $100) after spending $1,000 within the first 3 months.

These bonus points are comp points that can be used towards restaurants, spa services, or room rates on Mlife properties.  Overall it isn’t a super compelling offer since you can easily find $200 cash bonuses after $500 in spend for other cards, like the Chase AARP card.

With the increased offer you still get the 10,000 points offer but they are throwing in a free night at Mandalay Bay upon approval.  Here are the terms of this offer:

  • Application must be submitted by 7/21/18
  • You will receive free night instructions via email within 7 days of approval
  • Room must be booked by 8/21/18
  • Travel must be completed by 12/21/18
  • You still have to cover the resort fee and taxes.

Those are a lot of restrictions for a free night but as far as I can tell the offer isn’t day locked or restricted to weekdays etc.

I also wonder if the free night would count as a one night stay with Hyatt towards Hyatt status because of their partnership.

 Mlife Rewards Credit Card

Details on the Credit Card

The MGM Rewards Credit card comes with complimentary Pearl status which gets you free parking.  That alone may be worth it for some people if they frequent Vegas often.  Remember you can get Pearl status with the Hyatt credit card as well which comes with a superior welcome offer.  You just have to status match your Hyatt status to MGM.

The card’s earning structure is as follows:

  • 3 points & tier credits per dollar at MGM locations
  • 2 points & tier credits per dollar at gas stations and grocery stores
  • 1 point & tier credits per dollar everywhere else

You can get better rates than these with other credit cards.  But, if you are chasing status with MGM then earning tier credits on regular spend could help you get to the next level.


It is hard to put a value on a free night, especially in Las Vegas where rates are all over the place.  I can say that Mandalay Bay, while at the far end of the strip, is a very nice hotel and it has a nice pool area.  That may make it a better family friendly location versus other places on the strip.

I guess the free night could be valued in the $100-150 range.  That is probably on the low side but when paired up with the 10,000 point bonus and Pearl status this may make sense for some people.

I would still say the Hyatt credit card is better for most since it gives you the same status, after matching to MGM, and could get you 2 nights at Mandalay Bay with the Hyatt points you earn.  Although most of the time you will get a better value out of your Hyatt points using them elsewhere.


Did you get the offer?  Are you planning on applying if you did?


Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

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  1. The only real advantage of the card is the tier credit earning rate of 28 TCs/1$ instead of 25 TCs/$1 otherwise. That drops the spend rate at Mlife hotels/restaurants/etc. to earn Platinum from $8k to 7.1k.

  2. This card could be worth while if they would give you more. $100 to spend only at their hotel is not very compelling. How about $300/30,000 points to sign up and maybe a a free buffet for two people each year that you have the card. That would be much better.

    • Those would be much more tempting offers. I think they get enough from the hardcore MGM fan club that they don’t need to though. People chase status with this card/casino even though the value isn’t really there.

  3. Mlife needs to stop dicking around and partner with Amex and increase the AF to $450 then add some ridiculous perks to it. For now, its a weak card backed by weak bank.

    • You would think one of the major casino chains would step up their game somehow. The airlines make so much off of their cards I am surprised casinos don’t try to make it a larger part of their portfolio.

      • I don’t think casino patrons are particularly profitable for a credit card company. If you ever read message boards devoted to gaming, it seems like gamblers have terrible credit. And if you closely observe check in lines at Hotels, you will even see people trying to pay the deposit in cash. Gambling generally targets and profits off the poor. I don’t say this in a mean way (I go to casinos frequently myself) and it is obviously a generalization but I can understand why banks may not want the gambling demographic.


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