BMW Credit Cards

3XPointson eligible BMW purchases²

From daily essentials to vehicle maintenance, earn 3X Points at BMW Classified Merchants.

BMW Store $880.00+2,640 pts

3XPointson gas, tollways, and EV charging

Drive your lifestyle further with 3X Points at gas and EV charging stations.

EV Charging $25.00+75 pts

1XPointson all other eligible purchases

Make every day more rewarding with 1X Points on all other purchases.

Travel $350.00+350 pts

For illustration purposes only.

Benefits built for the road ahead.

2X Points when Redeeming at BMW¹

BMW Card ExtendPay³

No Annual Fee

Get a head start with 10,000 bonus points

Earn 10,000 bonus Points after spending $500 in the first 90 days.⁴

Unmistakably BMW.

A credit card with the engineering details you'd expect — and rewards built around how you drive.

BMW of Manhattan BMW ∙ Service Appointment	3x ∙ BMW	+1,182 pts	$394
Electrify America EV Charging ∙ Newark, NJ	3x ∙ Gas/EV	+75 pts	$25
United Airlines Travel ∙ Los Angeles, CA	1x	+350 pts	$350
BMW Lifestyle Store BMW ∙ Accessories	3x ∙ BMW	+75 pts	$25

For illustration purposes only.

Watch Points roll in.

See your rewards stack in real time.

Apply Now

Learn how fast you can earn.

Estimate Monthly Spending

Every Year
You Could Earn

312,000BMW REWARD POINTS

Standard Redemption Options$3,120Redeem for cash back as a statement credit, merchant gift cards, and more.²

Earn 2X Points when redeeming
at BMW$6,240Points 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.¹

For illustration purposes only.

The full power of BMW Rewards.

Redemption at BMW2XPoints2X Points when redeeming at BMW¹

BMW purchases6MonthsBMW Card ExtendPay - Enjoy manageable, monthly payments on eligible BMW purchases³

Welcome bonus10,000Bonus pointsEarn 10,000 bonus Points after spending $500 within 90 days of account opening⁴

Intro APR0Percent0% Intro APR on purchases and balance transfers for 12 billing cycles. After that, a variable APR applies, currently 17.74% to 30.74%*

View intro APR details and full terms

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¹Rewards Information: Points have greater value when redeemed for eligible BMW purchases, including BMW Rewards Cards, BMW Real-Time Rewards at participating BMW Dealerships, and BMW Financial Service lease or finance payments. For example, 10,000 Points may be redeemed for a $200 BMW reward, compared to a $100 value when redeemed for non-BMW options such as cash back.

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² You will earn 3 Points for every $1 spent on eligible Net Purchases at BMW, gas stations, electric vehicle charging stations, bridge fees and toll fees. You will earn 1 point for every $1 spent on all other eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. 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. Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards. Please allow 1-2 billing cycles for Points to added to your account. See your Cardmember Agreement for full details.

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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³BMW Card ExtendPay Information: Designate up to 50% of your credit card line ($100 minimum) in eligible purchases at merchants classified as BMW credit card purchases and pay in monthly installments with a $0 monthly fee. Only Purchase balances are eligible for BMW Card ExtendPay Plans. Transactions identified as Advances, Balance Transfers, or promotional rate Purchases (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as “Eligible Purchases” in the enrollment process are Purchases that were made at merchants classified as BMW within 60 days prior to signing up for a BMW Card ExtendPay plan, are $100 or more, and are less than your Purchase balance when you sign up for a BMW Card ExtendPay plan. The range of repayment option is 6 months. Your options may depend on your plan amount and will be shown during enrollment.

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⁴Introductory Offer Information: To receive this one-time bonus, spend $500 in eligible net purchases (purchases minus credits and returns) within the first 90 days of account opening. Points will be credited to your account within 1-2 billing cycles after the 90-day period and the required minimum purchases have been made. Not all transactions are considered to be purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items.

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2X points when redeeming at BMW¹

Accelerate your earnings.

Benefits built for the road ahead.

Get a head start with 10,000 bonus points

Unmistakably BMW.

Watch Points roll in.

Learn how fast you can earn.

Estimate Monthly Spending

The full power of BMW Rewards.

2X points when redeeming at BMW1

Accelerate your earnings.

Benefits built for the road ahead.

Get a head start with 10,000 bonus points

Unmistakably BMW.

Watch Points roll in.

Learn how fast you can earn.

Estimate Monthly Spending

The full power of BMW Rewards.

2X points when redeeming at BMW¹