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BMW Card for Motorrad review

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A niche, if not underwhelming, rewards card for motor enthusiasts.

  • Get this card if: You’re a frequent shopper at BMW centers
  • Pick something else if you: Want a more lucrative and flexible rewards card
  • Apply with: a good credit score of 670 or higher

Up to 3x

Points

$0

Annual fee

0%

Intro Purchase APR

for the first 15 months (then 14.74% to 25.74% variable)

0%

Intro Balance Transfer

for the first 15 months (then 14.74% to 25.74% variable)

BMW Card for Motorrad
Earn 3x points at BMW Motorrad Dealers and BMW Centers, 1x points on gas and 1x points on all other purchases.

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Details

Product NameBMW Card for Motorrad
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 15 months (then 14.74% to 25.74% variable)
Balance transfer APR0% intro for the first 15 months (then 14.74% to 25.74% variable)
Balance transfer fee$5 or 4% of the transaction, whichever is greater
Cash advance rate26.74% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Penalty APR30.74% variable
Foreign transaction fee3% of the transaction value
Interest free periodUp to 22 days
Late payment feeUp to $35
Returned payment feeUp to $35

Expert review

Steven Dashiell

Review by


Steven Dashiell is a credit cards staff writer at finder.com. 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

A store card offered by BMW retailers, the BMW Card for Motorrad is something of a niche rewards card. You can earn 3x points for eligible purchases made at BMW centers, 1x points on everything else, and enjoy a 15 months 0% intro APR on purchases and balance transfers.

As far as niche credit cards go, the BMW Card for Motorrad certainly ranks among the more specialized. Your primary earning areas will be on car sales, repairs, service, leasing and accessories.

And once you’ve earned those points, your redemptions are limited to many of the same categories of BMW center services. Points are worth roughly 1 cent per point on average.

Another rewards credit card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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How to apply for the BMW Card for Motorrad

You can apply for the BMW Card for Motorrad online by following these steps. Note that the BMW family of cards is currently transitioning to a new creditor and these steps may change:

  1. Go to bmwmotorcycles.com.
  2. Click on Menu in the upper left-hand corner of the page.
  3. Click on Offers and select The BMW Card on the drop-down menu.
  4. Click on the link Mybmwcard.com and follow the instructions to apply.

What credit score do I need?

To qualify for the BMW Card for Motorrad, you should apply with a good credit score of 670 or higher.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
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
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 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
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
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Bottom line

While there might be some BMW big spenders out there that find this card useful, the average BMW fan will likely have trouble wringing the maximum value out of this card. Though the intro APR is nice, there are other rewards cards out there with better earning potential.

To find a card that best suits your spending and reward needs, compare rewards cards.

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