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BMW World Mastercard® review

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Earn rewards on BMW purchases, gas and more.

  • Get this card if: You’re a regular spender on BMW purchases.
  • Pick something else if: You want a more lucrative rewards card.
  • Apply with a good to an excellent credit score of 670 or higher.


Points as welcome offer

Up to 4x



Annual fee


Intro purchase APR

for the first 12 billing cycles (then 15.24% to 24.24% variable)


Product NameBMW World Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR0% intro for the first 12 billing cycles (then 15.24% to 24.24% variable)
Balance transfer APR0% intro for the first 12 billing cycles (then 15.24% to 24.24% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate24.99% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee2% of the transaction value
Interest free periodUp to 24 days
Late payment feeUp to $40
Returned payment feeUp to $35

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards staff writer at Finder. He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.

Expert review

The BMW World Mastercard® is an entry-level BMW World Mastercard®. Thanks to a change in its issuing bank, the card now offers a new suite of benefits and rewards. For no annual fee, you’ll earn 4x points on eligible BMW purchases, 3x points at eligible gas stations, 2x at restaurants and 1x on everything else.

This card also offers a signup bonus of 5,000 points after you spend $500 within your first 3 months of account opening, and a 0% intro APR on purchases and balance transfers for 12 billing cycles, reverting to 15.24% to 24.24%.

Like the BMW Precision Credit Card, the BMW Credit Card offers fairly solid earning capabilities within its categories. In fact, it offers the same gas station and restaurant earning rates as the BMW Precision Credit Card, only coming in short on BMW purchases and non-category purchases.

As with the BMW Precision Credit Card, these points are worth 1 cent apiece except when redeemed on BMW gift cards, leading to a 25% point bonus. In a vacuum, the BMW World Mastercard® is off to a good start.

How to apply for the BMW World Mastercard®

To apply for the BMW World Mastercard®, you can do the following:

  1. Go to the BMW Card site.
  2. Click on Apply now under the BMW World Mastercard® image.
  3. Fill out your personal information, including your income and employment information.
  4. Click the box next to I accept the terms and conditions and press the Submit button.

What credit score do I need?

To qualify for the BMW World Mastercard®, you should apply with a good credit score of 670 or higher.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
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1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
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This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.

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Bottom line

The BMW World Mastercard® is a little less enticing than the BMW Precision Credit Card. While you won’t pay an annual fee for the BMW Credit Card, it’s a relatively lackluster choice considering it doesn’t earn 1.5x points on non-category purchases like the BMW Precision World Elite Mastercard® does. Even if you’re a BMW fan, you might be better off comparing more valuable reward cards out there.

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