
MINI Card
in Personal Credit Cards from BMW Bank of North America
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Purchase APR (Variable APR) | 15.24% - 26.24% |
Balance Transfer APR (Variable APR) | 15.24% - 26.24% |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
MINI Card Review
MINI Card is a store rewards credit card issued by BMW Bank of North America. If you're wondering whether MINI Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
- Competitive APRs. MINI Card has a variable purchase APR that ranges from 15.24% up to 26.24%.
- 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.
- 4% Balance transfer fee. MINI Card charges a fee of up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $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.
- 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 MINI Card cash back or rewards program?
MINI Card offers a rewards program to its customers.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Does MINI Card have a signup bonus?
MINI Card doesn't offer a cash signup bonus.Does MINI Card offer an annual loyalty bonus?
MINI Card doesn't offer a cash loyalty bonus.What are the relevant APRs for MINI 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. MINI Card has lower than average purchase APRs.MINI 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%. The card has a variable cash advance APR of up to 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 MINI Card have an introductory APR offer on balance transfers?
No, MINI Card does not come with an introductory APR offer for balance transfers.Does MINI Card 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 15 months.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 15 months |
What are the fees for MINI Card?
The following fees apply to MINI Card:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $35 |
Does MINI Card have a foreign transaction fee?
MINI 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 a foreign transaction fee.Does MINI Card report your account activity to credit bureaus?
Yes, MINI 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 MINI Card
- Visit the MINI 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 - (801) 461-6415
- Visit Site
About MINI Card

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
Eligible In-Store Purchases (Points) | 2 |
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