Choose the BMW credit card that's right for you

BMW Precision
Card

Apply now

Learn more

BMW
Card

Apply now

Learn more

Accelerate your rewards

With the BMW Precision card you'll earn:

$70 credit
annually at BMW Centers¹
5X points
per $1 spent on eligible BMW purchases²
3X points
per $1 spent on eligible gas station purchases
2X points
per $1 spent on eligible restaurant purchases
1.5X points
on all other eligible purchases

With the BMW card you'll earn:

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

Welcome offer

With the BMW Precision card you'll receive:

7,500 bonus points
after you spend $1,000 in net purchases within the first 90 days of account opening⁴

With the BMW card you'll receive:

5,000 bonus points
after you spend $500 in net purchases within the first 90 days of account opening⁵

Enjoy Low Pricing

With the BMW Precision card special pricing:

BMW Card special pricing:

Intro APR
0% 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
$0

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

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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 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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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 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, 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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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, 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 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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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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Choose the BMW credit card that's right for you

BMW Precision Card

BMW Card

Accelerate your rewards

With the BMW Precision card you'll earn:

With the BMW card you'll earn:

Welcome offer

With the BMW Precision card you'll receive:

With the BMW card you'll receive:

Enjoy Low Pricing

With the BMW Precision card special pricing:

BMW Card special pricing:

25% more on BMW redemption

BMW Precision
Card

BMW
Card