
BMW World Mastercard®
in Personal Credit Cards from BMW Bank of North America
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Purchase APR (Variable APR) | 15.24% - 24.24% |
Balance Transfer APR (Variable APR) | 15.24% - 24.24% |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
BMW World Mastercard® Review
BMW World Mastercard® is a store rewards credit card issued by BMW Bank of North America. If you're wondering whether BMW World Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.
- 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.
- Signup bonus. Offers a signup bonus of 5000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. BMW World Mastercard® has a variable purchase APR that ranges from 15.24% up to 24.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 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.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good | The Bad |
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Is there a BMW World Mastercard® cash back or rewards program?
BMW World Mastercard® offers a rewards program to its customers.
Minimum rewards rate | 1x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus (Points/Miles) | 5000 |
Signup Bonus Spend Requirement | $500 |
Signup Bonus Spend Period (months) | 3 months |
Does BMW World Mastercard® have a signup bonus?
BMW World Mastercard® doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.Does BMW World Mastercard® offer an annual loyalty bonus?
BMW World Mastercard® doesn't offer a cash loyalty bonus.What are the BMW World Mastercard® benefits?
BMW World Mastercard® provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for BMW World Mastercard®?
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 World Mastercard® has lower than average purchase APRs.BMW World Mastercard® has a variable purchase APR that ranges from 15.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 24.24%. It also has a variable cash advance APR of 24.99% .
Does BMW World Mastercard® have an introductory APR offer on balance transfers?
Yes, BMW World Mastercard® offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | Starting at 3% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 15.24% - 24.24% |
Balance Transfer Fee Minimum | $5 |
Does BMW World Mastercard® have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
What are the fees for BMW World Mastercard®?
The following fees apply to BMW World Mastercard®:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $40 |
Does BMW World Mastercard® have a foreign transaction fee?
BMW World Mastercard® 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 a foreign transaction fee.Does BMW World Mastercard® report your account activity to credit bureaus?
Yes, BMW World Mastercard® 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 World Mastercard®
- Visit the BMW World Mastercard® 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 - (801) 461-6415
- Visit Site
About BMW World Mastercard®

Availability
- 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
Every Purchase (Points) | Starting at 1 |
Restaurants (Points) | Starting at 2 |
Gas (Points) | Starting at 3 |
Eligible In-Store Purchases (Points) | Starting at 4 |
Every Purchase (Points) | 1X point on all other eligible purchases |
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