What the Caesars Entertainment credit card does
The Caesars Entertainment credit card is a rewards card designed for people who gamble, stay at hotels, or dine at properties owned by Caesars Entertainment — a company that operates casinos and resorts across the United States. The card earns points on purchases made at Caesars properties and can be used to redeem free play, hotel stays, dining credits, and other rewards within the Caesars ecosystem.
This is not a card that works everywhere. It is built specifically for Caesars customers. If you never visit a Caesars casino or resort, the card will have little value to you. If you do visit regularly, the rewards structure may offset some of your spending there.
Key Takeaways
- The Caesars Entertainment credit card earns points only at Caesars properties — casinos, hotels, restaurants, and entertainment venues owned by the company.
- Points can be redeemed for free play at slot machines and table games, hotel room discounts, dining credits, and other Caesars experiences.
- The card typically carries an annual fee, which you should weigh against how often you visit Caesars properties and how much you spend there.
- You need to be approved for the card through a credit check, and your credit score will affect whether you are approved and what interest rate you receive.
How points are earned and what they're worth
When you use the Caesars Entertainment credit card at a Caesars property, you earn points based on how much you spend. The exact earning rate depends on the specific card version — some earn a flat rate per dollar, while others earn more points in certain categories like dining or hotel stays. You should check the card's current terms to see the exact earning structure, as these can change.
Points are redeemed through the Caesars Rewards program, which is the company's loyalty system. You can convert points into free play (money you can use at slot machines or table games), room discounts at Caesars hotels, dining credits at Caesars restaurants, or other experiences like show tickets. The value of each point varies depending on what you redeem it for — free play typically gives you a lower value per point than a hotel stay might.
One important detail: points earned through the credit card are added to your Caesars Rewards account, which is separate from the card itself. You must have a Caesars Rewards membership to use the card, and you manage your points through that membership account, not through a credit card app.
Annual fees and when they make sense
The Caesars Entertainment credit card charges an annual fee. This fee is charged once per year, usually on the anniversary of when you opened the card. Before you open the card, you should calculate whether the rewards you expect to earn will exceed the annual fee plus any interest you might pay if you carry a balance.
The card makes financial sense if you visit Caesars properties frequently and spend enough to earn rewards that outweigh the fee. For example, if the annual fee is $95 and you earn 1 point per dollar spent, you would need to spend enough at Caesars to earn rewards worth more than $95 to come out ahead. If you visit once a year or less, the card is unlikely to pay for itself.
Some versions of the card offer a sign-up bonus — a lump sum of points awarded when you open the account. This bonus can offset the first year's annual fee if the bonus is large enough, but you should still expect to pay the fee in future years.
Credit approval and interest rates
To open a Caesars Entertainment credit card, you must go through a credit check. The card issuer will pull your credit report and credit score to decide whether to approve you and what interest rate to offer. A higher credit score generally means better approval odds and a lower interest rate.
If you are approved, the card will come with a purchase APR (annual percentage rate) — the interest rate charged if you carry a balance from month to month. This rate is not fixed and can vary based on your creditworthiness. You should know your expected APR before you use the card, because carrying a balance will cost you money in interest charges.
The best way to use a rewards card is to pay off the full balance each month, so you earn points without paying interest. If you tend to carry a balance, the interest charges will quickly exceed any rewards you earn.
Where you can and cannot use the card
The Caesars Entertainment credit card works like a regular Visa or Mastercard at any merchant that accepts that payment network. You can use it at grocery stores, gas stations, online retailers, and anywhere else. However, you only earn Caesars rewards points when you use it at a Caesars property.
Purchases outside Caesars properties may earn a small amount of points or no points at all, depending on the card's terms. The card is designed to incentivize spending at Caesars, not to be a general-purpose rewards card. If you want a card that earns rewards everywhere, this is not the right choice.
How to open the card and manage your account
You can open a Caesars Entertainment credit card through the Caesars Entertainment website, at a Caesars property in person, or sometimes through a third-party credit card marketplace. The process process asks for personal information including your name, address, Social Security number, and income. The issuer uses this information to run a credit check.
Once approved, your card will arrive in the mail within one to two weeks. You set up it by calling the number on the back or through the card issuer's website. Your points are managed through your Caesars Rewards account, which you can access online or through the Caesars mobile app. You can check your points balance, see redemption options, and track your spending at any time.
If you have questions about your account, rewards balance, or redemption options, you can contact the card issuer's customer service number, which is printed on the back of your card.
Comparing this card to other entertainment rewards cards
Other casinos and entertainment companies offer their own credit cards — for example, MGM Resorts and Wynn have similar cards for their properties. If you gamble or stay at hotels at multiple casino brands, you might earn rewards faster with a general-purpose rewards card that earns points everywhere, rather than a single-brand card that only earns at one company's properties.
A general-purpose card like a cash-back card or a travel rewards card might also make sense if you visit Caesars only occasionally. The annual fee on a single-brand card is harder to justify if you use it only a few times per year.
The right choice depends on where you actually spend your money. If you are a regular Caesars customer, the card's rewards may be worth the annual fee. If you split your casino visits between multiple brands or visit casinos rarely, a different card might serve you better.
Frequently Asked Questions
Do I need a Caesars Rewards membership to use the card?
Yes. The Caesars Entertainment credit card is linked to your Caesars Rewards account, and you must have a membership to earn and redeem points. You can create a Caesars Rewards account for free on the Caesars website or at any Caesars property. The credit card process will ask for your Rewards membership number.
What happens to my points if I close the card?
Your points remain in your Caesars Rewards account and do not disappear when you close the credit card. However, Caesars Rewards accounts that show no activity for a long period may expire, and you could lose your points. Check the Caesars Rewards terms to see how long an account can remain inactive before points are forfeited.
Can I use the card outside the United States?
Yes, the card works internationally because it is a Visa or Mastercard. However, you will likely pay a foreign transaction fee (usually 2 to 3 percent of the purchase) when you use it outside the US. You will only earn Caesars rewards points at Caesars properties in the United States.
What if I have a bad credit score?
A lower credit score makes approval less likely, but it does not make approval impossible. You may be offered a card with a higher interest rate, a lower credit limit, or both. You can explore and see what the issuer offers. If you are denied, you can wait a few months, work on improving your credit score, and explore again.
Do I earn points on the annual fee itself?
No. The annual fee is charged to your account but does not earn rewards points. Only purchases at Caesars properties earn points.