BMW card

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

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

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.

— Special Offer —

5,000

Bonus BMW Reward Points after you spend $500 in purchases within the first 90 days of account opening²

Intro APR

on purchases and balance transfers for 12 billing cycles. After that, a variable APR applies, currently 15.24% - 24.24%.*

View Terms and Conditions

— Plus —

$0

Learn how fast you can earn

Select your monthly spending to see how quickly your BMW Reward Points add up!¹

Estimate Monthly Spending

Every year you could earn:

BMW Reward Points

Here's how you can redeem your 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
including:

Cell Phone Protection

Up to $1,000 of annual coverage for damage or theft.⁴

Shoprunner

Free ShopRunner membership. Members currently receive 2-day shipping and free return shipping at over a hundred online retailers.⁵

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Elan Financial Services may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to the Program Rules and Cardmember Agreement for additional information.

*The 0% introductory APR applies to purchases for the first 12 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fees of 3% of each transfer amount ($5 minimum) apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

¹ Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. You will earn 4 points for every $1 in eligible net purchases at merchants classified as BMW, 3 points for every $1 in eligible net purchases at merchants classified as gas stations, 2 points for every $1 in eligible net purchases at merchants classified as restaurants, 1 point for every $1 on all other eligible net purchases. "Restaurants" is defined as Eating Places and Restaurants or Fast Food Restaurants. You may not redeem points, and you will immediately lose all of your points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

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² To receive this one-time bonus, you must spend at least $500 in eligible net purchases (purchases minus credits and returns) within the first 90 days of account opening. 5,000 points will be credited to your account 6-8 weeks after the 90-day period. Eligible purchases do not include Advances, Balance Transfers, and Convenience Checks.

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³ For redemptions, inquiries, and updates, Cardmembers may visit the Rewards Center online at mybmwcreditcard.com or call the Rewards Center at 888.229.8864. All redemptions are final.

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⁴ Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Refer to your Mastercard Guide to Benefits for details.

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⁵ Certain terms, conditions and exclusions apply. Please refer to your Mastercard Guide to Benefits for further details.

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BMW card

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

— Special Offer —

5,000

Intro APR

— Plus —

$0

Learn how fast you can earn

Move the sliders belowSelect your monthly spending to see how quickly your BMW Reward Points add up!1

Estimate Monthly Spending

Every year you could earn:

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

BMW Rewards Card

Other Reward Options

Enjoy complimentary Mastercard benefitsincluding:

Cell Phone Protection

Shoprunner

Select your monthly spending to see how quickly your BMW Reward Points add up!¹

Enjoy complimentary Mastercard benefits
including: