BMW Credit Card

BMW Credit Card

BMW Credit Card

BMW Credit Card

BMW Credit Card

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Card details

  • No Annual Fee

  • Earn 5,000 Bonus BMW Reward Points after you spend $500 in purchases within the first 90 days of account opening.

  • Earn 4 points per $1 spent on eligible BMW purchases.

  • Earn 3 points per $1 spent on eligible gas station purchases.

  • Earn 2 points per $1 spent on eligible restaurant purchases.

  • Earn 1 point on all other eligible purchases.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-4x

  • Bonus offer

    Earn 5,000 Bonus BMW Reward Points after you spend $500 in purchases within the first 90 days of account opening.

  • Intro APR

    0% intro APR on purchases and balance transfers for 12 billing cycles

  • Ongoing APR

    APR: 15.24% - 24.24%, Variable

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual Fee

$0

Annual Fee

$0

Annual Fee

$0

Regular APR

15.24% - 24.24% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Regular APR

12.99% - 21.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on purchases and balance transfers for 12 billing cycles

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Intro APR

0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Sara Rathner

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • Qualify with average credit

  • No annual fee

  • 0% intro APR on purchases and balance transfers for 12 billing cycles

Cons

    The $0-annual-fee BMW Credit Card offers benefits that could come in handy for BMW owners. But it won’t be as rewarding to anyone else.

    You’ll earn 3 points per dollar spent at BMW Centers (that’s how BMW refers to its dealerships), and 1 point per dollar on everything else. You can redeem points for things like offsetting the cost of leasing, financing or maintaining your car. A general rewards card can offer more flexibility, both in earning and redeeming.

    The card does feature a decent sign-up bonus: Earn 5,000 Bonus BMW Reward Points after you spend $500 in purchases within the first 90 days of account opening. It also offers an intro APR: 0% intro APR on purchases and balance transfers for 12 billing cycles, and then the ongoing APR of 15.24% - 24.24% Variable APR.

    For more information, see NerdWallet's review of this card.