BMW Card

BMW Card

on BMW Financial Services's secure website

BMW Card

BMW Card

BMW Card

on BMW Financial Services's secure website

Card details

  • With the BMW Card, exclusive BMW Rewards are just around the corner – with no annual fee.

  • Use your card for all your everyday purchases, then redeem your BMW Reward Points for BMW Financial Services Rewards, BMW Center Rewards, BMW Vehicle Rewards, and much more.

  • 0% Introductory APR for 15 months.

Rates, fees & offers

  • Annual fee


  • Rewards rate

    1 point for every dollar spent on all purchases. 1 point for every dollar spent on gas purchases. 3 points for every dollar spent at BMW Centers.

  • Bonus offer


  • Intro APR

    Purchase: 0% for 15 mos

    Transfer: None

  • Ongoing Apr

    Min APR: 15.24%, Variable

    Max APR: 26.24%, Variable

    Penalty APR: Up to 31.24%, Variable

    Cash Advance APR: 27.24%, Variable

  • Balance Transfer Fee


  • Foreign Transaction Fee


Recommended credit score

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NerdWallet Review

By Tim Chen

Rating Details


Editor's overall rating

Pros and Cons

  • No annual fee

  • Needs excellent credit

Verdict - The BMW Financial Services Visa Rewards card is a terrible rewards card. It only offers a 0.5% rewards rate, so you'd be much better off choosing a card that can earn you 2-3% rewards on our rewards credit card finder page.

While there are some great automotive credit cards out there, the BMW rewards card is not one of them. GM and Subaru have 3% cards, and Lexus has one that pays out 1.5%. This is why we are a bit puzzled by why BMW even bothers to offer a 0.5% rewards card, when there are so many other cards that pay more than 1%. Save yourself some money by avoiding this card!

User Reviews

Rating Details

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