MGM Rewards Mastercard®
MGM Rewards Mastercard® Unaffiliated

MGM Rewards Mastercard®

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Purchase APR  (Variable APR) 20.24%
Balance Transfer APR  (Variable APR) 20.24%
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

  • High APRs. This is not a great card for people who carry a balance. It has a variable 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.
  • 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®

The Good The Bad
  • No annual fee.
  • Access to a concierge.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • MGM Rewards Mastercard® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.

MGM Rewards Mastercard® FAQ

Does MGM Rewards Mastercard® have a cash back or rewards program?

MGM Rewards Mastercard® is a rewards card.

MGM Rewards Mastercard® Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($)

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher 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®?

The following fees apply:

MGM Rewards Mastercard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $35
Late Payment Fee $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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 MGM Rewards Mastercard® customer service number is (855) 788-6775.

What is the support contact email for MGM Rewards Mastercard®?

The support contact email for MGM Rewards Mastercard® is

What is the MGM Rewards Mastercard® login page?

You can access the MGM Rewards Mastercard® login page 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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for MGM Rewards Mastercard®

  • Visit the MGM Rewards Mastercard® website.
  • 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.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by First National Bank of Omaha

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View all credit cards offered by First National Bank of Omaha


  Available in 7 states
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Nevada
  • New Jersey
  • Ohio

Feature Breakdown

Cash Advance Fee Minimum $15
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $15
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $1.75
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee $35
Late Fee Amount $40
Customer Type Personal
Minimum Age 21
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Concierge
No Reward Expiration Period
Rewards Categories
  • 2x Points on Gas up to $1
  • 1x Point on Every Purchase up to $1
  • 3x Points on In-Store Eligible Purchases up to $1
Cash Advance APR (Variable APR) 20.24%
APR Type Variable APR
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 20.24%
Balance Transfer APR (Variable APR) 20.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Store Card
Card Network Mastercard

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