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Card Benefits
BMW Card BMW Precision Card Compare Cards
My Account
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BMW

New cardmember offer

BMW
Card

10,000 bonus points

after you spend $500 in net purchases within the first 90 days of account opening ¹

Apply now - for the BMW Card

BMW Precision
Card

20,000 bonus points

after you spend $1,000 in net purchases within the first 90 days of account opening ²

Apply now - for the BMW Precision Card

Learn about the benefits:

Accelerate your rewards

With the BMW card you'll earn:

4X points
per $1 spent on eligible BMW purchases³
3X points
per $1 spent on gas station purchases and EV charging stations
2X points
per $1 spent on eligible restaurant purchases
1X point
on all other eligible purchases

With the BMW Precision card you'll earn:

5X points
per $1 spent on eligible BMW purchases⁴
3X points
per $1 spent on gas station purchases and EV charging stations
2X points
per $1 spent on eligible restaurant purchases
1.5X points
on all other eligible purchases
$70 annual dealership credit
at BMW Centers⁵

Fees and Intro APR

BMW Card Fees and Intro APR:

$0 annual fee - view BMW Card Terms and Conditions
Intro APR
0% intro APR on purchases and balance transfers^† for 12 billing cycles. After that, a variable APR applies, 18.24% to 31.24% - view BMW Card Terms and Conditions.*

BMW Precision card Fees and Intro APR:

$99 annual fee - view BMW Precision Card Terms and Conditions
$0 foreign transaction fees - view BMW Precision Terms and Conditions

25% more on BMW redemption

Get 25% more value when you redeem points for a BMW Rewards Card. Use it for BMW service, accessories, lease end costs and more. For example, 20,000 points are worth $250 at BMW Centers.⁶

You can also redeem points for a variety of options:

Travel
Merchandise
Cash Back
Loan/Lease
Payment

DRIVE ON THE EDGE OF PHYSICS

SAVE 20% ON BMW DRIVING SCHOOL

Use your BMW Credit Card and save 20% when you book a class through the BMW Performance Driving School.

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BMW USA | BMW Financial Services | Security Policy | Opt Out Icon Your California privacy choices | Privacy

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 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.

† Balance Transfer Information: Balance transfer transactions from other Elan Financial Services accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by Elan shall not be honored unless the check(s) has been stolen, lost or destroyed.

¹ 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. 10,000 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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² 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. 20,00 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 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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⁴ 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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⁵ 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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⁶ 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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We use technologies, such as cookies, that gather information on our website. That information is used for a variety of purposes, such as to understand how visitors interact with our websites, or to serve advertisements on our websites or on other websites. The use of technologies, such as cookies, constitutes a 'share' or 'sale' of personal information under the California Privacy Rights Act. You can stop the use of certain third party tracking technologies that are not considered our service providers by clicking on "Opt-out" below or by broadcasting the global privacy control signal.

Note that due to technological limitations, if you visit our website from a different computer or device, or clear cookies on your browser that store your preferences, you will need to return to this screen to opt-out and/or rebroadcast the signal. You can find a description of the types of tracking technologies, and your options with respect to those technologies, by clicking "Learn more" below.

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