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  BMW Card

BMW Card

in Personal Credit Cards from BMW Bank of North America

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BMW Card

Unaffiliated

in Personal Credit Cards from BMW Bank of North America

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 15.24% - 26.24%
Balance Transfer APR  (Variable APR) 15.24% - 26.24%
Credit Score Range 700 - 850
Rewards Rates
  • 1% on Every Purchase
  • Gas

BMW Card Review

BMW Card is a store credit card issued by BMW Bank of North America. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether BMW Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of BMW Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Earn rewards on every purchase.
  • BMW Card reports to multiple credit bureaus.
  • No annual fee.
  • Receive 1 point for every dollar spent on everyday purchases.
  • Receive 1 point for every dollar spent on gas purchases.
  • Receive 3 points for every dollar spent at BMW centers.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Does not include many credit card rewards.
  • Restrictions apply for points.
  • Is there a BMW Card cash back or rewards program?

    No, BMW Card does not offer a rewards program.

    BMW Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the relevant APRs for BMW Card?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BMW Card has lower than average purchase APRs.

    BMW Card has a variable purchase APR that ranges from 15.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 26.24%. It also has a variable cash advance APR of 27.24% . Note that late payments are subject to an APR of 31.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

    Does BMW Card have an introductory APR offer?

    Yes, BMW Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

    BMW Card Balance Transfers
    Description
    Balance Transfer APR 15.24% - 26.24%
    Introductory Rate 0%
    Intro APR period (months) 15
    BMW Card Rates & Terms
    Description
    Balance Computation N/A
    Purchase APR 15.24% - 26.24%
    Credit Limit N/A
    Penalty APR 31.24%
    Cash Advance APR 27.24%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 15

    What are the BMW Card fees?

    The following fees apply to BMW Card:

    BMW Card Fees
    Fees Amount
    Annual Fee $0
    Balance Transfer Fee 4%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee up to $35
    Late Payment Fee up to $35

    Does BMW Card report your account activity to credit bureaus?

    BMW Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for BMW Card

    • Visit the BMW Card website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    Hours of Operation

    • Sunday Closed
    • Monday 9:00am - 5:30pm
    • Tuesday 9:00am - 5:30pm
    • Wednesday 9:00am - 5:30pm
    • Thursday 9:00am - 5:30pm
    • Friday 9:00am - 5:30pm
    • Saturday Closed

    About BMW Card

    Icon for Personal Credit Cards
    View all personal credit cards offered by BMW Bank of North America

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Eligible In-Store Purchases (Points) 3
    Gas (Points) 1
    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 22
    Balance Transfer Fee % 4%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 4%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $35
    Minimum Interest Charge $0.50
    Returned Payment Fee Up to $35
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Card Network
    • Visa
    Card Type
    • Gas
    • Store Card
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Rewards Rates
    • 1% on Every Purchase
    • Gas
    Cash Advance APR (Variable APR) 27.24%
    Purchase APR (Variable APR) 15.24% - 26.24%
    Introductory Rate 0%
    Penalty APR 31.24%
    Balance Transfer APR (Variable APR) 15.24% - 26.24%
    Intro APR period 15
    Introductory Rate 0%

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