Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
17.49% - 26.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.49% - 26.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
MINI Card Review
This is a store rewards card issued by BMW Bank of North America. If you're wondering whether MINI Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 15 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. MINI 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of MINI Card
| The Good | The Bad |
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MINI Card FAQ
Does MINI Card have a cash back or rewards program?
MINI Card is a rewards card.
| Description |
Does MINI Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does MINI Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for MINI Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.MINI 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%. The card has a variable cash advance APR of up to 28.24%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does MINI 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.49% - 26.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does MINI 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 15 months.
What are the fees for MINI Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does MINI Card have a foreign transaction fee?
MINI Card charges a foreign transaction fee of up to 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 MINI Card?
The customer service number for MINI Card is (801) 461-6415.
What is the support contact email for MINI Card?
The support contact email for MINI Card is bmwgenius@bmwusa.com.
How do people rate the customer service and user experience of MINI Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does MINI Card report your account activity to credit bureaus?
Yes, MINI Card reports to the following credit bureaus:
- 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 build your credit.
Does BMW Bank of North America perform a hard credit pull?
Yes, MINI Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for MINI Card
- Visit the website of MINI Card.
- 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
Headquarters
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
Other Services by BMW Bank of North America
Other Credit Cards from BMW Bank of North America
Rating not yet determined
Purchase APR
15.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 24.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
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Learn MoreSuperMoney Net Recommendation Score
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