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BMW Motorrad Card

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Highlights
Purchase APR  (Variable APR) 17.49% - 26.49%
(Verified 09/04/2022)
Balance Transfer APR  (Variable APR) 17.49% - 26.49%
(Verified 09/04/2022)
Credit Score Range 600 - 850
Annual Fee $0

BMW Motorrad Card Review

This is a store credit card issued by BMW Bank of North America. If you're wondering whether BMW Motorrad Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Earn 5,000 bonus BMW Reward Points after you spend $500 in purchases within the first 90 days of account opening!
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 26.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. BMW Motorrad Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Gas rewards. 3x points on eligible fuel purchases.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of BMW Motorrad Card

The Good The Bad
  • No annual fee.
  • Receive 3 points for every dollar spent at a BMW Motorrad Dealer or BMW Centers.
  • Receive 1 point for every dollar spent on gas purchases.
  • Receive 1 point for every dollar spent on purchases.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 17.49% up to 26.49%.
  • No annual fee.
  • Considers applicants with fair credit.
  • BMW Motorrad Card reports to multiple credit bureaus.
  • High penalty fee.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

BMW Motorrad Card FAQ

Does BMW Motorrad Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the BMW Motorrad Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for BMW Motorrad Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

BMW Motorrad Card has a variable purchase APR that ranges from 17.49% up to 26.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 26.49%. It also has a variable cash advance APR of 28.24% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does BMW Motorrad Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

BMW Motorrad Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 17.49% - 26.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does BMW Motorrad Card have an intro APR offer on new purchases?

BMW Motorrad Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for BMW Motorrad Card?

The following fees apply:

BMW Motorrad Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $41
Late Payment Fee up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for BMW Motorrad Card?

The BMW Motorrad Card customer service number is (801) 461-6415.

What is the support contact email for BMW Motorrad Card?

The support contact email for BMW Motorrad Card is bmwgenius@bmwusa.com.

What is the BMW Motorrad Card login page?

You can access the BMW Motorrad Card login page here.

How do people rate the customer service and user experience of BMW Motorrad Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does BMW Motorrad Card report your account activity to credit bureaus?

Yes, BMW Motorrad 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 may help improve your credit.

How to apply for BMW Motorrad Card

  • Visit the BMW Motorrad 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

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

About BMW Motorrad Card

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View all credit cards offered by BMW Bank of North America

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) Starting at $10
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 22 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Bonus Offer Earn 5,000 bonus BMW Reward Points after you spend $500 in purchases within the first 90 days of account opening!
Rewards Categories
  • 3x Points on Gas
  • 2x Points on Restaurants
  • 1x Point on Every Purchase
  • 4x Points on In-Store Eligible Purchases
Cash Advance APR (Variable APR) 28.24%
APR Type Variable APR
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 17.49% - 26.49%
(Verified 09/04/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 17.49% - 26.49%
(Verified 09/04/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Store Card
  • Gas
Card Network Mastercard

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