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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.

5,000

Points as welcome offer

Up to 4x

Points

$0

Annual fee

0%

Intro purchase APR

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

Details

Annual fee$0
Welcome Offer5,000 points after you spend $500 within the first 3 months
Rewards4x points on BMW purchases, 3x points on gas, 2x at restaurants and 1x on everything else
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)
Recommended minimum credit score670
IssuerMastercard
Avatar

Review by


Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

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
Blue Cash Preferred® Card from American Express
20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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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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