Compare BMW Credit Cards

Apply now for the BMW Precision Mastercard.

Compare the BMW Credit Cards
Card Benefits	BMW Precision Card	BMW Card
Annual Fee	$99 view BMW Precision Card terms and conditions	$0 view BMW Card terms and conditions
Points earned per $1 spent on eligible BMW purchases	5 points¹	4 points²
Points earned per $1 spent on eligible gas station purchases	3 points¹	3 points²
Points earned per $1 spent on eligible restaurant purchases	2 points¹	2 points²
Points earned per $1 spent on all other eligible purchases	1.5 points¹	1 point²
Points are worth 25% more when used at BMW Centers
Introductory Rate Offer
Annual Dealership credit	$70³
Enrollment Bonus	7,500 points after spending $1,000 in eligible net purchases within the first 90 days of account opening.⁴	5,000 points after spending $500 in eligible net purchases within the first 90 days of account opening.⁵
No Foreign Transaction Fees view terms and conditions
Mastercard World Elite Benefits
Mastercard World Benefits

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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.

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 5 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 or electric vehicle charging stations, 2 points for every $1 in eligible net purchases at merchants classified as restaurants, 1.5 points 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 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 or electric vehicle charging 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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³ Automatic statement credit(s) totaling up to $70 will be applied to your account when your Card is used for purchases made at BMW, including BMW Centers and BMW Financial Services. Credit(s) apply to eligible net purchases (purchases minus credits and returns) that post to your account on a Cardmember-year basis (based on account opening date). Only one total credit amount of up to $70 per Cardmember year per account, regardless of which Card(s) was/were used for the transaction(s). If eligible purchase is greater than $70, credit will be limited to $70.

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⁴ To receive this one-time bonus, you must spend at least $1,000 in eligible net purchases (purchases minus credits and returns) within the first 90 days of account opening. 7,500 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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⁵ 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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