BMW Card

BMW Card

on BMW Financial Services's website

BMW Card

BMW Card

BMW Card

on BMW Financial Services's website

Card details

  • Earn 30,000 bonus BMW Reward Points when you spend $2,000 on purchases within the first 90 days after account opening. Redeem for exclusive BMW Rewards you won’t find anywhere else.

  • 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 on purchases and balance transfers for 15 months.

Rates, fees & offers

  • Annual fee

    $0

  • 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

    Earn 30,000 bonus BMW Reward Points when you spend $2,000 on purchases within the first 90 days after account opening. Redeem for exclusive BMW Rewards you won’t find anywhere else.

  • Intro APR

    Purchase: 0% for 15 mos

    Transfer: 0% for 15 mos

  • Ongoing APR

    Min APR: 15.49%, Variable

    Max APR: 26.49%, Variable

    Penalty APR: Up to 31.49%, Variable

    Cash Advance APR: 27.49%, Variable

  • Balance transfer fee

    4%

  • Foreign transaction fee

    3%

Recommended credit score

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NerdWallet review

By Sara Rathner

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

Cons
  • Needs excellent credit

The $0-annual-fee BMW 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 30,000 bonus BMW Reward Points when you spend $2,000 on purchases within the first 90 days after account opening. Redeem for exclusive BMW Rewards you won’t find anywhere else. It also offers an intro APR: 0% for 15 months on purchases and balance transfers, and then the ongoing APR of 15.49% - 26.49% Variable.

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

User Reviews

Rating Details

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