BMW Credit Card
BMW Credit Card
BMW Credit Card
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 and EV charging 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: 19.99%-28.99%, Variable
Cash Advance APR: 29.99%, 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
| Learn more | Learn more | Learn more |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR19.99%-28.99% Variable APR | Regular APRSee Terms | |
Intro APR0% intro APR on purchases and balance transfers for 12 billing cycles | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 20.74%, 24.74%, or 29.74% | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Sara Rathner
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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 19.99%-28.99% Variable.
For more information, see NerdWallet's review of this card.
