BMW World Mastercard® review
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
Intro purchase APR
for the first 12 billing cycles (then 15.24% to 24.24% variable)
|Welcome Offer||5,000 points after you spend $500 within the first 3 months|
|Rewards||4x points on BMW purchases, 3x points on gas, 2x at restaurants and 1x on everything else|
|Purchase APR||0% intro for the first 12 billing cycles (then 15.24% to 24.24% variable)|
|Balance transfer APR||0% intro for the first 12 billing cycles (then 15.24% to 24.24% variable)|
|Recommended minimum credit score||670|
Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.
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.
The card’s signup bonus is easy to obtain, but rather weak in comparison to similar rewards cards out there. And while the intro APR on purchases and balance transfers is appreciated, it’s not quite enough to elevate this card.
How to apply for the BMW World Mastercard®
To apply for the BMW World Mastercard®, you can do the following:
- Go to the BMW Card site.
- Click on Apply now under the BMW World Mastercard® image.
- Fill out your personal information, including your income and employment information.
- 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
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.