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BMW Ultimate Card
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Purchase APR (Variable APR) | 15.24% - 26.24% |
Balance Transfer APR (Variable APR) | 15.24% - 26.24% |
Credit Score Range | 650 - 850 |
Annual Fee | $75 |
BMW Ultimate Card Review
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This is a store rewards card issued by BMW Bank of North America. If you're wondering whether BMW Ultimate 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 15 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
- Competitive APRs. BMW Ultimate Card has a variable purchase APR that ranges from 15.24% up to 26.24%.
- 4% Balance transfer fee. BMW Ultimate Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Gas rewards. on eligible fuel purchases.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of BMW Ultimate Card
The Good | The Bad |
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BMW Ultimate Card FAQ
Does BMW Ultimate Card have a cash back or rewards program?
BMW Ultimate Card is a travel rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Does BMW Ultimate Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does BMW Ultimate Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the BMW Ultimate Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for BMW Ultimate 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 lower than average regular APRs.BMW Ultimate 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%. 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 Ultimate 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 15 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 15.24% - 26.24% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 4% |
Does BMW Ultimate Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 15 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.
What are the fees for BMW Ultimate Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $75 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $35 |
Does BMW Ultimate Card have a foreign transaction fee?
BMW Ultimate Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for BMW Ultimate Card?
The BMW Ultimate Card customer service number is (801) 461-6415.
What is the support contact email for BMW Ultimate Card?
The support contact email for BMW Ultimate Card is bmwgenius@bmwusa.com.
What is the BMW Ultimate Card login page?
You can access the BMW Ultimate Card login page here.
How do people rate the customer service and user experience of BMW Ultimate Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BMW Ultimate Card report your account activity to credit bureaus?
Yes, BMW Ultimate 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 Ultimate Card
- Visit the BMW Ultimate 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.
Contact
- Headquarters
-
2735 East Parley's Way
Suite 301
Salt Lake City, UT 84109 USA - (801) 461-6415
- Visit Site
- Email Support
About BMW Ultimate Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
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