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: 16.74%-25.74%, Variable

    Cash Advance APR: 27.49%, 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

$99

Annual fee

$199

Regular APR

16.74%-25.74%Variable APR

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

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

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Sara Rathner

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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 16.74%-25.74% Variable.