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BMW Card


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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!

  • APR 13.49% to 24.49%
  • Intro APR 0.00% for fifteen months
  • Balance Transfer APR 13.49% to 24.49%
  • Balance Transfer Intro APR 0.00% for fifteen months
  • Cash Advance APR 25.49%
  • Penalty APR 29.49%
  • Annual Fee None
  • Late Payment Fee Up to $35
  • Cash Advance Fee $10 or 4%, whichever is greater
  • Returned Payment Fee Up to $35
  • Balance Transfer Fee $5 or 4%, whichever is greater
  • Foreign Exchange Fee 3%
  • Minimum Interest Charge $0.50
  • Rewards Details 1 point per $1 spent on purchases, 3 points per $1 spent at BMW Centers


  • Click "APPLY NOW" to apply online
  • 1 point per $1 spent on purchases
  • 3 points per $1 spent at BMW Centers
  • 20% off the BMW Performance Driving School when you use your BMW Card
  • No annual fee
  • Enjoy Visa benefits

Expert Reviews

From the Editorial Team

For BMW enthusiast, the BMW Card offers the opportunity to show BMW pride while enjoying an introductory APR on both purchases and balance transfers, a rewards points program, and the benefits of being a Visa cardholder. If you're looking to finance a BMW purchase or maybe hold a rewards credit card, this card might be a great fit for you!

Expert Reviews of the BMW Card

  • 3.0

    Regular APR

  • 5.0

    Intro APR

  • 2.0


  • 3.0


  • star rating 3.5/5

    Overall Rating

The Bottom Line

The BMW Card offers both an introductory APR period and a rewards points progam. The points earned can be redeemed for BMW Financial Services, BMW Center Rewards and Vehicle Rewards. If you're not frequently purchasing BMW products then this card will be of little interest to you seeing as the rewards points are only redeemable on BMW purchases. 

The Good

This card offers a fifteen month 0.00% introductory APR on both purchases and balance transfers. In addition there's no annual fee and you'll have the ability to earn rewards points.

The Not So Good

Based on your creditworthiness, the regular APR could be as much as 24.49% so for those who carry a balance beware of the interest fees. This card also has a 3% foreign transaction fee. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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