Overview of the Major Comp Programs

Before we dive into the intricacies of blackjack and poker comps, I thought it might be a good idea to take a quick crash course on comp programs.

Thanks to the corporate conglomeration that has dominated the casino industry in recent years, most gamblers have two major comp programs to choose from – M Life and Total Rewards.

The M Life program is operated by MGM Resorts International, while Total Rewards is a product of Caesars Entertainment.

If you enjoy visiting sunny Las Vegas for a stroll along the Strip, chances are good you’ll wind up in a casino owned by one of these behemoths. And I’m not talking about the MGM Grand or Caesars Palace flagship properties, as the two companies own dozens of casinos between them.

Check out the list below for a full accounting of MGM-owned properties on the Strip where the M Life card is used to track and distribute comps:

ARIA Las Vegas
Bellagio Las Vegas
Excalibur Hotel and Casino
Luxor Las Vegas
Mandalay Bay Resort and Casino
MGM Grand Las Vegas
The Mirage Las Vegas
Monte Carlo Resort and Casino
New York New York Hotel and Casino
And below, you’ll find the Caesars-owned casinos on the Strip where the Total Rewards card is accepted:

Bally’s Las Vegas
Caesars Palace
The Cromwell Las Vegas
Flamingo Las Vegas
Harrah’s Las Vegas
The LINQ Las Vegas
Paris Las Vegas
Planet Hollywood Las Vegas
Rio All Suite Hotel & Casino
Expanding the scope outside of Sin City, these are the MGM-brand casinos worldwide where M Life membership is accepted:

Beau Rivage – (Biloxi, Mississippi)
Borgata – (Atlantic City, New Jersey)
The Water Club – (Atlantic City, New Jersey)
Gold Strike Casino Resort – (Tunica Resorts, Mississippi)
Grand Victoria – (Elgin, Illinois)
MGM Grand Detroit – (Detroit, Michigan)
MGM National Harbor – (National Harbor, Maryland)
MGM Springfield – (Springfield, Massachusetts)
MGM Grand Sanya – (Sanya, Hainan, China)
MGM Macau – (Macau, China)
Bellagio Shanghai – (Shanghai, China)
And finally, take a look below for the full list of Caesars-owned casinos worldwide where Total Rewards membership is accepted:

Bally’s Atlantic City – (Atlantic City, NJ)
Caesars Atlantic City – (Atlantic City, NJ)
Caesars Windsor – (Windsor, Ontario, CA)
Harrah’s Ak-Chin Casino – (Phoenix, AZ)
Harrah’s Atlantic City – (Atlantic City, NJ)
Harrah’s Cherokee – (Cherokee, NC)
Harrah’s Cherokee Valley River – (Cherokee, NC)
Harrah’s Council Bluffs – (Council Bluffs, IA)
Harrah’s Gulf Coast – (Biloxi, MS)
Harrah’s Joliet – (Joliet, IL)
Harrah’s Lake Tahoe – (Lake Tahoe, NV)
Harrah’s Laughlin – (Laughlin, NV)
Harrah’s Louisiana Downs – (Bossier City, LA)
Harrah’s Metropolis – (Metropolis, IL)
Harrah’s New Orleans – (New Orleans, LA)
Harrah’s North Kansas City – (North Kansas City, MO)
Harrah’s Philadelphia – (Philadelphia, PA)
Harrah’s Reno – (Reno, NV)
Harrah’s Resort Southern California – (Valley Center, CA)
Harvey’s Lake Tahoe – (Lake Tahoe, NV)
Horseshoe Casino Baltimore – (Baltimore, MD)
Horseshoe Bossier City – (Bossier City, LA)
Horseshoe Council Bluffs – (Council Bluffs, IA)
Horseshoe Hammond – (Hammond, IN)
Horseshoe Casino Tunica – (Tunica, MS)
Horseshoe Southern Indiana – (Elizabeth, IN)
Tunica Roadhouse – (Tunica, MS)
Along with these titans of the gambling industry, you’ll also come across a few smaller casino chains like Boyd Gaming or Stations. And of course, the over 400 tribal casinos operated on reservation land nationwide have their own in-house players club cards.

These smaller casinos tend to model their comp system after the big boys, however, so I’ll stick with M Life and Total Rewards going forward for the sake of clarity.

For both of these programs, you’ll also have two main forms of comp credits to work with – base points and tier points.

A base point equates to $0.01, so you’ll need to score 100 of them to add $1 to your comp account. Base points effectively serve as cash in an affiliated casino, so you can use your accumulated points to purchase that morning latte or some headphones from the gift shop.

A tier point doesn’t have cash value per se, but these points are how you climb through the ranks of either M Life or Total Rewards. You can visit the overview pages for each program that I linked to above to learn about the various tiers used in each. But put simply, accumulating tier points grants you access to a higher tier in the program, which in turn unlocks additional perks. Think priority access at the cashier’s cage line, free valet and parking, tickets to the in-house show, and even free rooms.

Now that you know who is handling your comps and where the players club cards in your wallet are accepted, let’s see exactly how they work for both blackjack and poker.

Get Quote for Life Insurance

Are you looking to get quote for life insurance?

If so, you have three options to choose from:

1. Contact a local life insurance agent in your area.

2. Get a referral from friends/family members for a life insurance agent.

3. Request life insurance quotes online from a quote provider.

Each of your choices may be good, but online quotes offer you the following benefits:

Instant Quote Comparisons.
No Need to Meet with an Agent.
No Hassles or Delays.
No Obligation to Buy.
Savings to 73%
Get a Free Quote for Life Insurance

The bottom-line is this – you can find the lowest rates from the highest-rated life insurance companies by comparing free quotes for life insurance on the internet.

When you request free quotes for life insurance online you answer some basic questions and instantly receive up to 5 or more rate quotes.

Your quotes will provide you with the following:

The life insurance premiums.
Name of companies quoted.
Amount of coverage offered.
Financial ratings of each company.
Premium payment options available.
Type of life insurance and number of years of coverage offered.

When you compare your quotes for coverage make sure you consider not only the price, but the financial strength rating of the insurance company. The rating is an indication of the insurer’s ability to pay their claims, and meet their financial obligations. The higher the financial rating the better.

Also, when comparing prices and plans make sure you consider:

How much life insurance you need.
What you can afford to pay.
How many years you need life insurance.

Term life insurance offers you the lowest priced life insurance protection, usually costing 2-3 times less than permanent life insurance.

However, term life is temporary coverage for a specific number of years. Plans are available for 10, 15, 20 or 30 years of protection.

Term life insurance is not an investment it does not build cash value inside the policy. And, if you outlive the term of your policy, your coverage ends.

Many people just like you choose term life insurance to meet their temporary life insurance needs, such as:

To protect their family
Pay off the mortgage
Provide money for their kids college education
Pay off credit card debt.
Provide money for family living expenses.
Provide for your spouse’s retirement.

Get Quotes for Life Insurance

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How Comps Are Distributed to Blackjack Players

So, you’ve sidled up to a standard blackjack table, slid your M Life or Total Rewards card to the dealer, and watched them scan it through to the system. Now what?

Well, that’s a mystery many blackjack enthusiasts are still trying to crack.

The Total Rewards website spells things out quite clearly for slots and video poker:
“You will earn 1 Reward Credit for each $5 you play on reel slot machines and $10 for video poker.”
But when you scroll down in search of table games like blackjack, the numbers aren’t nearly as clear – and in fact, Total Rewards doesn’t provide any concrete numbers at all:
“For table play, be sure to hand your Total Rewards card to the dealer or pit supervisor as soon as you sit down to play and ask to be rated.
Reward Credits are earned based on length of play, average bet and type of game.”
As you can see, Caesars Entertainment properties use a proprietary formula – based on how long you play, your average wager amount, and the type of table game played – to determine how many comp points you’ll earn. Obviously, this leaves quite a bit of wiggle room for the casino, while players never really know for sure how their blackjack session is being parlayed into points.

It’s even murkier over on the M Life website, which only provides the following information for table game players:
“Members must present their M Life Rewards Card to a table games pit supervisor prior to table games play.
M Life Rewards members must satisfy minimum betting requirements to be rated for table games.
Please see a table games pit supervisor at participating M Life Rewards destinations for such assistance.”
In this case, playing at an MGM Resorts property leaves you at the whim of a table games pit boss, along with an unknown minimum betting requirement.

Thankfully, the internet levels the playing field tremendously, and you’ll find plenty of blackjack forums and travel sites where players can discuss their own comp experiences. By perusing a few of these platforms, I’ve been able to come up with the following figures.

Whether you’re using the M Life or Total Rewards card, you’ll need to bet an average of $25 per hand just to get your play “rated” by the casino. For most recreational gamblers who bet the minimum of $5, or $10 when they’re feeling lucky, that threshold alone prices them out of the comp program.

But let’s say you pony up the dough and bet a green $25 chip on each hand (on average). Now, the next factor to consider is your hands per hour rate. Most industry estimates peg the average blackjack table at 80 hands per hour, so I’ll go with that.

If you’re betting $25 per hand and playing 80 hands per hour, you’ll have $2,000 in total bets on the table over that span.

The next calculation the casinos use involves their theoretical hold rate, or the number of dollars they can expect to win based on the game’s house edge. Depending on your skill level, blackjack offers a house edge between 0.50% (for basic strategy experts) and 1.5% (for folks playing by “gut instinct” alone). Knowing this, I’ll use a flat 1% house edge to make the math easier.

Having bet $2,000 in total over the hour, while facing a house edge of 1%, the casino’s theoretical hold stands at $20.

From there, you can expect to receive comp points equal to 10% of the hold, which comes to just $2 in this example.

REMEMBER
That was for one hour of play only, while most of us tend to stick around the tables for a few hours at a time. But for a general rule of thumb, assume you’re earning about $1 in comp points for every $1,000 you put at risk in a 60-minute period.

The big problem most blackjack players encounter is improper ratings by the pit boss. It’s their job to closely observe the action, entering your typical betting unit and your time at the table into the system. But if the pit boss sees you starting out at $10 bets to warm up, before you start firing the green chips, you might not ever get rated at all.

On the other hand, you might get your rating set at $25 bets from the outset, only to up the ante when you’re on a heater. At this point, you could be betting $50 or $100 per hand, all while the system continues to track you as a $25 bettor.

For this reason, blackjack players who value comp points should always take measures to clarify their play to the pit boss. That’s their job, after all, so you’re not bothering anybody by asking for a quick chat. Just let them know your name, that you’ve had your card scanned, and your plan for the game.

Something like “Hi there, I’m so-and-so, and I’ll be betting $25 and up for the next hour or two” should be sufficient. And if you decide to increase the stakes midway through the session, just give the dealer a glance and let them know to alert the pit boss about the new wager.

This can all seem like a chore at first, especially for casual gamblers, but it’s the only ironclad way to ensure that your blackjack play is properly rated.