Earn 5,000
bonus points!

Just spend $500 in purchases within the
first 90 days of account opening1

You'll earn the following points with the BMW Mastercard:

Earn 4 points per $1 spent on eligible BMW purchases.2

Earn 3 points per $1 spent on eligible gas station purchases.

Earn 2 points per $1 spent on eligible restaurant purchases.

Earn 1 point on all other eligible purchases.


Intro APR

on purchases and balance transfers for 12 billing cycles. After that, a variable APR applies, currently 20.49% to 29.49%.*

View intro APR details and full terms


Learn how fast you can earn

Move the sliders belowSelect your monthly spending to see how quickly your BMW Reward Points add up!

Estimate Monthly Spending

Every year you could earn 312,000 BMW Reward Points

Here's how you can redeem your 312,000 BMW Reward Points:

BMW Rewards Card

Get 25% more value when you redeem points for a BMW Rewards Card. Use it for BMW service, accessories, lease end costs and more.3


Other Reward Options

Redeem for travel, merchandise, cash back and more.


Enjoy complimentary Mastercard® benefits


Take 3 rides, get a $5 Lyft credit every month.4


Free ShopRunner membership. Members currently receive 2-day shipping and free return shipping at over a hundred online retailers.4