# MGM Rewards MasterCard vs Cardless

MGM Rewards MasterCard and Cardless both sit at 4.9 stars, but that hides the real split: 61% of Cardless's written reviews are positive against 43% of MGM Rewards MasterCard's. Cardless also leads on update cadence (every 2 weeks vs every 2 months). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.9 for MGM Rewards MasterCard against 4.9 for Cardless. Both are backed by a comparable volume of ratings — 25K and 9.7K respectively. Written reviews are what separate them: 43% of MGM Rewards MasterCard's written reviews are positive against 61% of Cardless's.

MGM Rewards MasterCard ships an update every 2 months, Cardless every 2 weeks. Both last shipped on November 10, 2026.

## The numbers

| Metric | MGM Rewards MasterCard | Cardless |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (25K ratings)](https://appshunter.io/ios/app/mgm-rewards-mastercard/id1078295053/reviews)** | [4.9 (9.7K ratings)](https://appshunter.io/ios/app/cardless/id1532270655/reviews) |
| Number of ratings | **25K** | 9.7K |
| Positive reviews | 43.4% of reviews | **60.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 51 MB | 54 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [First National Bank of Omaha](https://appshunter.io/developer/631020362) | [Cardless, Inc.](https://appshunter.io/developer/1532270657) |

## What reviewers say

### MGM Rewards MasterCard

[App page](https://appshunter.io/ios/app/mgm-rewards-mastercard/id1078295053)

Manage your credit card account on the go. Quickly access your account, check balances, view statements, and pay bills securely and easily. Set up email alerts for important account activity.

**Highlights:** Quick account access with Touch ID, Check account balance, View statement and transaction history, Pay credit card bill, Set up email alerts

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Great customer service
- 💳 Useful rewards program
- 🚀 Fast and easy payment setup

**What reviewers complain about**

- 🐛 Login and app issues
- 🔒 Security and account access problems
- ⏱️ Slow transaction processing
- 💰 Unexpected fees and charges

**Reported bugs**

- Inability to login or access account features
- App crashes and freezes
- Compatibility issues with newer devices

**Requested features**

- Express payment option with immediate fund availability
- Ability to store and manage multiple payment accounts
- Scheduled and recurring payment setup
- Improved app notifications and settings


### Cardless

[App page](https://appshunter.io/ios/app/cardless/id1532270655)

Access credit cards from popular brands on your phone. View balances, transactions, and rewards, with enhanced transparency and security features. Get real-time notifications for account activity.

**Highlights:** Mobile credit card access, View balance and transactions, Redeem rewards, Make payments, Biometric security, Transaction notifications

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to navigate
- 👍 Convenient and user-friendly
- 👍 Excellent customer service
- 👍 Secure payment method
- 👍 Smooth and intuitive UI

**What reviewers complain about**

- 🐛 Account freezing issues
- 🐛 Payment processing problems
- 🐛 Declined transactions
- 🔒 Security and privacy concerns with Plaid integration
- 🔒 Lack of direct bank account integration

**Reported bugs**

- Add to wallet feature not working
- Login issues with Face ID on newer devices

**Requested features**

- Connect with Qatar Airways loyalty program
- Improve rewards program and redemption options


## Frequently asked questions

### Is MGM Rewards MasterCard free?

MGM Rewards MasterCard is free to download, with no in-app purchases.

### Is Cardless free?

Cardless is free to download, with no in-app purchases.

### Which has better reviews, MGM Rewards MasterCard or Cardless?

MGM Rewards MasterCard is rated higher. MGM Rewards MasterCard averages 4.9 out of 5 from 25K ratings, while Cardless averages 4.9 from 9.7K ratings.

### Do MGM Rewards MasterCard or Cardless have ads?

Neither MGM Rewards MasterCard nor Cardless shows ads.

### Which is updated more often, MGM Rewards MasterCard or Cardless?

MGM Rewards MasterCard ships an update every 2 months, and Cardless every 2 weeks. Most recently, MGM Rewards MasterCard was updated on November 10, 2026 and Cardless on November 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*