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 
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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

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NerdWallet review

By Sara Rathner

Rating details

3.5

Editor's overall rating

Pros and cons

Pros
  • Qualify with average credit

  • No annual fee

  • Intro APR period

  • New cardholder bonus offer

  • Bonus categories

Cons
  • Complicated rewards

  • Foreign transaction fee

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.