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  MINI Card

MINI Card

in Personal Credit Cards from BMW Bank of North America

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MINI Card

Unaffiliated

in Personal Credit Cards from BMW Bank of North America

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Highlights
Highlights
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.

Key takeaways:

  • Earn a rewards rate of up to x.
  • 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.

MINI Card Pros and Cons:

The Good The Bad
  • No annual fee.
  • Every purchase you make with the MINI Card – like gas, tolls and car washes – earns MINI Motoring Reward Points, good towards cool MINI Motoring Rewards.
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • MINI Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Has foreign transaction fees.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card rewards.

Is there a MINI Card cash back or rewards program?

MINI Card offers a rewards program to its customers.

MINI Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) 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.

MINI Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 15

What are the fees for MINI Card?

The following fees apply to MINI Card:

MINI Card Fees
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?

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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 MINI Card

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View all personal credit cards offered by BMW Bank of North America

Availability

  Available in 50 states and Washington, D.C.
  • 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
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 22 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 4%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Rewards
  • Store Card
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Rates Every Purchase
Cash Advance APR (Variable APR) Up to 27.24%
Penalty APR (Variable APR) 31.24%
Purchase APR (Variable APR) 15.24% - 26.24%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 15.24% - 26.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 4%

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