Mlife Rewards Mastercard Review: Full Details & Which Alternative Card Is Better?

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Mlife Rewards Mastercard Review

Mlife Rewards Mastercard Review

Back in 2016 Mlife rebranded to Mlife Rewards, debuted a new website and launched their co-branded credit card. Here is our review of the Mlife Mastercard updated for 2019!

Mlife Rewards Mastercard Benefits

The Mlife Rewards Mastercard is issued by First Bankcard®, a division of First National Bank of Omaha.

Here are the benefits you get as a cardholder:

  • Automatic Upgrade to Pearl Level Status (Free parking, buffet line pass, 10% bonus on points and express comps.)
  • Priority Hotel Check-in at M life Resorts
  • No Annual Fee
  • No Foreign Transaction Fees

Mlife Rewards Mastercard Earnings

This card earns points in the Mlife Rewards program. The points can be used for Express Comps on property as well as for FREEPLAY. Note you also earn tier credits as well.

  • 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 everwhere else.

Mlife Rewards Mastercard Sign-Up Bonus

The sign-up bonus is:

  • 10,000 points when you spend $1,000 in the first 3 billing cycles.

The application link along with the full details of the card can be found here.

Mlife Rewards Mastercard Review

Mlife Rewards Mastercard Review & Analysis

While this card does little to innovate, it could be good for someone enveloped in the Mlife ecosystem. For example, points are worth $.01 each, but they can only be used for Express Comps or FREEPLAY, meaning you are tying them to Mlife Rewards. Basically, you are earning less than you should considering you can get a 2%+ cashback card that gives you actual cash. There is the benefit of also earning tier credits, which could be nice to top off your status, but I think this will only appeal to a very select few.

For many, the allure of free parking and Pearl status will be a reason to consider this card, but remember that the World of Hyatt Credit Card from Chase gives you Discoverist status which can currently be matched to the same Pearl status this card gets. Yes, the Hyatt card has an annual fee, but it comes with a MUCH more valuable sign-up bonus and perks like free nights and more.

Mlife Rewards Mastercard Review

Conclusion

While it’s always nice to see a giant loyalty program like Mlife expand into the credit card market, this product is probably only valuable for someone who is heavily tied into the Mlife ecosystem. For everyone else the World of Hyatt Credit Card is probably the better option considering it gives you many of the same benefits, but a much better bonus and perks outside of Mlife.

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The responses below are not provided or commissioned by any advertiser or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by any advertiser. It is not any advertiser's responsibility to ensure all posts and/or questions are answered.

17 COMMENTS

  1. Amazing. It took them this long for M Life to match Total Rewards with a co-branded cc, and this is what they come up with. This is so obviously rewards designed by a committee of accountants, just like everything at MGM these days.

    There is nothing here to move the needle. The committee of accountants threw us just enough to make the bare minimum of competitiveness. A few Express Comps? Free parking? This isn’t enough to attract even the Las Vegas locals.

    It is so obvious MGM is a company just living off the fumes of what Kerkorian created.

  2. You forget the other benefits:

    1. Issued by FNBO, one of the suckiest credit card companies around;
    2. Laughably low credit limits;
    3. Stone Age application approval process;
    4. CSRs known to be not playing with a full deck.

    MGM should be ashamed of themselves.

    • I have had to called the customer service line a couple of times, and althugh I am glad they are in the US, they are the most untrained an unproffesional I have ever dealt with.

    • I applied about 2 years ago and used over $7,000 in charges. Not one point was earned. Always paying on time except for one late 6 months ago and I had overlooked that. Six months later they close my account. What was more interesting was that I had a zero balance last year, told them that I would be going to Italy and they said okay, they will make the notes that I can use it because of no fees. The first time I went to use it, it was declined. I kept it because we stay at Mirage and Mandalay Bay a lot for free parking, but not anymore. Just awful everything.

  3. This is the worst bank ever to get a credit card from.
    The customer service is horrendous. The credit limits
    are ridiculously low. The rewards are terrible. Look
    elsewhere and save yourself some time and money.

    • I rather deal with the bank then mlife they treat their loyal customers like shit they lie right to your face then start taking your free play away then they stop inviting you to their slot tournaments then they push you right out the door this is aftrer you been going there for years

  4. i think if you:

    1. already play myVegas games and are collecting points for freebies
    2. will be spending a week or more in Vegas each year

    then it’s totally worth it. With the card you’ll get more points towards your myVegas games and save money on parking. 7 x $15 = $105 for parking alone. That’s if you only go to one casino a day. Given that the majority of the properties on the strip are part of the Mlife group and given that utilizing most of the rewards in myVegas (buffets and other foods, shows and other entertainment), means you are going to those same hotels/casinos (and therefore have to park somewhere) it seems like the way to go to me.

  5. I got this card to try it out for a year. I go to Vegas 2-3 times a year. I easily got the 10,000 points bonus in the first month, plus some other expenses and got 12,757 points. I converted those to express comps and its $127.57. I stayed at the MGM Grand for 3 nights and put everything on my card and expect that to be around 7 to 8000 worth of point, since everything is 3x at mgm properties. So after converting those i expect to have over $200 of express comps. Now if I do my math right and put enough of this card (along with my SWA card for free flights) I should be able to pay for flights and rooms every time I go, which to me is a win. But we will see how the dust settles when it is all said and done.

  6. I also play the myVegas slots through FB. Have recieved a handful of buffet (esp the 2 for 1 deals) and a few comped rooms on week nights so they are worth it.

    As far as how many Points you get for purchases, ect I think they are a bit low for what you get in return, and I do expect them to have a Premier card at some point that I would be interested in.

  7. I think it would be better it cardholder’s received waived resort fees, that would make it worth it in my opinion and I would then consider applying for the card. I frequent Vegas quite often but the current benefits are not enough just yet to have me apply.

  8. I have been waiting to see comps and tier increase after 4 months and many dollars, I have no credit showing. A trip to LV is scheduled soon. Any suggestions?

  9. Update since this article was written in 2016 – Hyatt match has changed with the Hyatt Visa Signature card. You now become automatically a “Discoverist” which is the “lower” tier Platinum and matches to MLIFE as a “Pearl” not Gold status, which is a huge deal. Just sayin..

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