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BMW Ultimate Card

BMW Ultimate Card


Rated 4.2/5 stars by our editorial team

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4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) 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 $75
  • Cash Advance Fee $10 or 4%, whichever is greater
  • Balance Transfer Fee $5 or 4%, whichever is greater
  • Foreign Exchange Fee 3%
  • Rewards Details 1 point per $1 spent on purchases, 3 points per $1 spent on gas, 5 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 on gas
  • 5 points per $1 spent at BMW Centers
  • Rewars customers who spend at least $50,000 per year with a higher level of service
  • Visa Signature Concierge benefits
  • Annual fee of $75 

Expert Reviews

From the Editorial Team

For BMW enthusiast, the BMW Ultimate Card offers the opportunity to show BMW pride while enjoying an introductory APR on both purchases and balance transfers, the most rewards points a BMW credit card offers, 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 Ultimate Card

  • 3.0

    Regular APR

  • 5.0

    Intro APR

  • 2.0


  • 4.0


  • star rating 4.2/5

    Overall Rating

The Bottom Line

The BMW Ultimate Card offers both an introductory APR period and rewards points program. However, where the BMW Ultimate Card differs from its counterparts, the BMW Card and BMW Signature Card, are the most lucrative rewards points BMW offers and the way you can redeem your points. From everyday purchases to gas and purchases at BMW Centers, all these ways to earn points might make the $75 annual fee worth it. Points can be redeemed for BMW Rewards, airline purchases and hotel accommodations. However, this card is for those who spend a lot with BMW. If you're spending at least $50,000 annually you'll reap the benefits on this card. 

The Good

This card offers a 0.00% introductory APR on both purchases and balance transfers for fifteen months. In addition, you'll have the ability to earn rewards points on purchases, gas and at BMW Centers.

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 and $75 annual 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.

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