MGM Rewards Iconic World Elite Mastercard® — FNBO is a personal credit card from FNBO. The annual fee is $249. Signup bonus: Earn up to 45,000 Points* ($450 value) Step 1: Earn 30,000 Points* ($300 value) when you spend $5,000 in the first three billing cycles after your account is opened! Step 2: Earn 15,000 Points* ($150 value) when your total spend reaches $7,500 in the first six billing cycles. Apply by 1/5/27. Rewards: 6X Points and Tier Credits per $1 spent* at MGM Rewards Destinations; 2X Points and Tier Credits per $1 spent* at hotels, dining, gas stations and grocery stores; 1X Point and Tier Credit per $1 spent* everywhere else; $200 Resort Credit upon account opening and annually at card anniversary*; Complimentary Night up to $250 annually at card anniversary with $25,000 spend*; 10,000 Tier Credit Bonus annually at card anniversary with $25,000 spend*.