Last Updated: 07/28/2025
MGM Rewards Mastercard®
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
20.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
20.24%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
MGM Rewards Mastercard® Review
This is a store rewards card issued by First National Bank of Omaha. If you're wondering whether MGM Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 20.24%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. MGM Rewards Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
Pros & Cons of MGM Rewards Mastercard®
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MGM Rewards Mastercard® FAQ
Does MGM Rewards Mastercard® have a cash back or rewards program?
MGM Rewards Mastercard® is a rewards card.
| Description |
Does MGM Rewards Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does MGM Rewards Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the MGM Rewards Mastercard® benefits?
MGM Rewards Mastercard® provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for MGM Rewards Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.MGM Rewards Mastercard® has a variable purchase APR of 20.24%. The card has a variable balance transfer APR of 20.24% . It also has a variable cash advance APR of 20.24% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does MGM Rewards Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does MGM Rewards Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for MGM Rewards Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $40 . Does MGM Rewards Mastercard® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for MGM Rewards Mastercard®?
The customer service number for MGM Rewards Mastercard® is (415) 908-2200.
What is the support contact email for MGM Rewards Mastercard®?
The support contact email for MGM Rewards Mastercard® is firstnational@fnbo.com.
What is the login page for MGM Rewards Mastercard®?
You can access the login page of MGM Rewards Mastercard® here.
How do people rate the customer service and user experience of MGM Rewards Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MGM Rewards Mastercard® report your account activity to credit bureaus?
Yes, MGM Rewards Mastercard® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does First National Bank of Omaha perform a hard credit pull?
Yes, MGM Rewards Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for MGM Rewards Mastercard®
- Visit the website of MGM Rewards Mastercard®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Monday
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9:00AM - 5:00PM
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9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
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