What MGM Rewards Mastercard (FNBO) unlocks

card · starting from cardholder · unlocks 1 program (1 free)

The MGM Rewards Mastercard (FNBO) leads to exactly one status: MGM Rewards Gold, and you get there through spend alone, no match request involved.

Gold requires 75,000 Tier Credits in a calendar year. The card earns 1 Tier Credit per dollar on everyday purchases and 3 Tier Credits per dollar at MGM Rewards Destinations, so you're looking at $75,000 in everyday spend, or $25,000 spent directly at MGM properties, within that same calendar year. There's no cap mentioned on how many Tier Credits the card can earn, so it's a straight accumulation race against the calendar-year deadline rather than a one-time spend trigger — every dollar counts toward the total, and MGM spend counts three times as fast as spend anywhere else.

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MGM RewardsGold

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MGM Rewards Mastercard (FNBO) → MGM Rewards Gold (confer, community-verified) 🇺🇸 — Pure card-spend path: MGM Gold requires 75,000 Tier Credits per calendar year; card earns 1 TC/$1 on everyday spend and 3 TC/$1 at MGM Rewards Destinations -> $75,000 everyday spend or $25,000 at-MGM card spend in a calendar year. No cap on card TC earning found. NOT a flat spend-trigger benefit - pure TC accumulation.

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