Frequently Asked Questions

Call 1-800-364-9648 and choose Option 1 for the status of an application. For your security, you will be required to enter your Social Security number. Additional verification items may also be needed.

There is no annual fee for the BMW Mastercard. See Terms & Conditions.

BMW Mastercard. Find current rates for the BMW Mastercard.

Upon approval, you should receive your card within 7-10 business days.

As a BMW Cardmember, you will earn Points based on eligible Net Purchases. Net Purchases are purchases minus credits and returns made when you use your card. You will earn Points as follows:

• 3 Points for every $1 spent on eligible Net Purchases during each billing cycle at merchants classified as BMW, including BMW Centers.
• 3 Points for every $1 spent on eligible Net Purchases during each billing cycle at merchants classified as gas stations and electric vehicle charging stations.
• 3 Points for every $1 spent on eligible Net Purchases during each billing cycle at merchants classified as bridge fees and toll fees.
• 1 point for every $1 spent on all other Net Purchases during each billing cycle.

Each merchant’s business is identified by a category code established by Mastercard. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional points. For complete program details, refer to the Program Rules located in the Rewards Center or refer to your Benefits Guide included with your new Account.

You can redeem your Points for any of the options listed in the Rewards Center, including:

• BMW Rewards Cards
• BMW Real-Time Rewards
• BMW Lease or Finance Payment Credits
• Gift Card Rewards
• Merchant Gift Card
• Statement Credit
• Amazon Redemption
• PayPal Redemption

For a complete list of rewards, log into your account at mybmwcreditcard.com, then visit the Rewards Center to view, manage, and redeem your Points.

Once you have earned enough Points for a reward, redeeming is simple. You can use the Rewards Center to turn your Points into rewards by logging into your account at mybmwcreditcard.com. You may also redeem over the phone by calling 888-229-8864 and a Rewards Service Advisor will assist you with your redemption.

Yes, you can redeem your Points for a BMW Rewards Cards that can be used to pay for items at participating BMW Centers like vehicle down payment, service and repairs, lifestyle accessories, and BMW Protection Products. Or use the BMW Rewards Card to pay for additional lease miles, excess wear & use costs at lease end, and BMW experiences. Plus, your Points are worth 2x more when you redeem for BMW Rewards Cards and there’s no limit to the number of Rewards Cards that can be redeemed!

Yes, Points have greater value when redeemed for eligible BMW purchases, including BMW Rewards Cards, BMW Real-Time Rewards at participating BMW Centers, and BMW Financial Services lease or finance payments. For example, 5,000 Points may be redeemed for a $100 BMW reward, compared to $50 value when redeemed for non-BMW options such as cash back.

Please visit our Account Servicing page to learn more about enrolling your account online.

Yes, go to the App Store and search for the BMW Family of Cards App to download to your iOS or Android device.

Contact 24-hour Cardmember Services with any questions about your card at 866.845.3079.