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BMW Card card

BMW Card: Earn up to 4X in German-Engineered Rewards

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Mastercard
Intro purchase APR
0% for 12 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The BMW Card earns cardholders four points for every dollar they spend on qualifying BMW purchases. Additionally, cardholders earn three points for every dollar spent on gas and two points for every dollar spent on dining purchases. All other purchases earn cardholders one point for every dollar they spend. What’s more, this card offers an introductory 0% APR promotion on balance transfers and purchases for 12 months. All these features are available for no annual fee.

Our review of the BMW Card

The BMW Card, issued by Elan Financial Services and operating on the Mastercard® payment network, is a top-tier co-branded auto and retail credit card in partnership with Bavarian Motor Works (BMW). As a robust auto rewards card, the BMW Mastercard allows cardholders to earn points on purchases, with special rewards for BMW purchases, gas, and dining

Introductory Bonuses

New cardholders can earn a generous 5,000 bonus points by spending $500 within the first 90 days of approval. Additionally, the card offers two 0% intro APR offers for 12 months on purchases and balance transfers, making it a valuable choice for those looking to save on interest.

How to Earn Rewards

Earning rewards with the BMW Card is simple and rewarding. Cardholders earn 4X points on BMW purchases, 3X on gas, 2X on dining, and 1X on all other purchases. Points can be accumulated quickly and used towards various redemption options.

Limitations of Earning Rewards

While the rewards structure is generous, there are limitations on where points can be earned. Cardholders must make BMW purchases at licensed retailers to earn bonus points, and gas and dining purchases must be made at specific locations to qualify for extra points. Additionally, points cannot be earned on balance transfers, cash advances, or certain restricted categories.

BMW Credit Card Comparison

The BMW Mastercard offers competitive rewards compared to other BMW co-branded cards, with varying benefits and annual fees. Cardholders can choose the card that best suits their spending habits and preferences.

How to Redeem Points

Points earned with the BMW Card can be redeemed for BMW purchases, travel, merchandise, cash back, and more. Redeeming points for BMW purchases increases their value by 25%, providing added value to cardholders.

Mastercard Benefits

As a World Mastercard product, the BMW credit cards offer enhanced benefits, including zero liability protection, airport concierge services, ID theft protection, and more. Cardholders can enjoy a range of perks and protections when using their BMW Mastercard.

Should You Apply for the BMW Card?

Overall, the BMW Mastercard is a solid choice for auto enthusiasts and BMW owners looking to maximize their rewards on everyday purchases. With competitive APR rates and valuable rewards, the BMW Card stands out as a top contender in the auto rewards card market. If you’re a BMW enthusiast looking to earn rewards on your purchases, the BMW Card may be the perfect fit for you. Apply today and start earning points towards your next BMW purchase or service.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Earn 4X points on BMW purchases
  • Earn 3X points on gas purchases, 2X points on dining, and 1X points on everything else
  • Enjoy 0% APR on balance transfers and purchases for 12 months

Who this card may suit

  • You own or plan to own a BMW
  • You don’t want to pay an annual fee to use a credit card
  • You want to earn additional points on gas and dining purchases
  • You would like to take advantage of 0% APR on purchases for 12 months
  • You need to transfer a balance and plan to pay it off in 12 months

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 12 months from account opening date
Regular Purchase APR20.49% to 29.49% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 12 months for balances transferred within 30 days from account opening date
Balance Transfer APR20.49% to 29.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greate
Foreign Transaction FeeUp to 3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $41
Return Payment Penalty FeeUp to $41

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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BMW Card

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