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MGM significantly devalues M Life Rewards program

Jan. 04, 2022
4 min read
Park MGM Las Vegas pool
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M Life Rewards is one of the most popular casino loyalty programs out there. It's not only because MGM is one of the world's largest casino chains, but the program is also one of the most rewarding, thanks to its partnership with World of Hyatt and other nongaming earning and redeeming opportunities.

Unfortunately, the program will soon become much less rewarding. Come February, M Life Rewards members will earn significantly fewer Tier Credits and lose some elite benefits.

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Changes to tier credits

The biggest change pertains to how you earn Tier Credits — what you need to qualify for elite status in the program.

Starting Feb. 1, 2022, you'll earn just four Tier Credits per dollar spent on nongaming spending including hotel accommodations, dining and spa services. Although the program used to have different earning rates for Las Vegas properties and regional ones, this change applies to all MGM Resorts destinations, nationwide.

Overall, this is a major loss no matter how you slice it. Previously, the earning rate was 25 Tier Credits for every dollar spent at Las Vegas MGM Resorts and eight Tier Credits at most regional MGM Resorts.

Further, the program is changing how you earn Tier Credits at participating Hyatt hotels. Right now, M Life members can earn eight Tier Credits per dollar for room and incidental charges at participating Hyatt hotels in lieu of World of Hyatt earnings. Starting February, members will earn just four Tier Credits per dollar.

Related: How to match your Hyatt status to M life for free perks in Las Vegas

The MGM Grand Hotel (Photo by Ethan Miller/Getty Images)

M Life Rewards is also changing the earning rates when playing slots, video poker and video lottery terminals to be more akin to table games. Although details are still limited, MGM's website notes, "starting February 1, 2022 earn Tier Credits playing slots, video poker, and video lottery terminals based on length of play, average bet, and game type." Previously, you'd generally earn 10 tier credits for every $3 spent on slot machines and every $10 spent on video poker.

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So what does this all mean? It will soon become much more costly to earn M Life Rewards elite status. The program is making it harder to earn Tier Credits but not reducing its existing requirements:

  • Sapphire – None
  • Pearl – 25,000 tier credits
  • Gold – 75,000 tier credits
  • Platinum – 200,000 tier credits
  • Noir – invitation only

Related: You can get discounted rooms and free cruises with these Las Vegas casino loyalty programs

Other changes to the M Life Rewards program

Although M Life Rewards is making elite status harder to earn, it isn't adding any new benefits. In fact, it's removing some.

Effective February, the Platinum Experience upon check-in at Las Vegas Resorts will be placed on hold. This is where Platinum and Noir members are offered unique welcome amenities like complimentary tickets to the Shark Reef Aquarium at Mandalay Bay, Bellagio Gallery of Fine Art or the Big Apple Roller Coaster at New York-New York.

The website notes, "We will relaunch a new and improved Platinum Experience at a later date."

Additionally, bonuses on Express Comps based on Tier Status earned playing slots will be discontinued but will be offered on a promotional basis. That said, Pearl, Gold, Platinum and NOIR members will continue to receive a bonus on points earned playing slots at the same rate as today.

Related: Yes, Las Vegas can be done on a tight budget — here’s how

Bottom line

M Life Rewards is making it much harder to earn Tier Credits and thus qualify for elite status. Luckily, these changes don't affect those who earn their status via a status match from World of Hyatt. If you have any World of Hyatt elite status level, you'll continue to be able to match your status to M Life.

Interestingly, the program has also started to use the name "MGM Rewards" interchangeably with M Life, though as of now, the program hasn't officially changed names.

Featured image by Park MGM (Photo by Javier Rodriguez/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023