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BMW Card for Motorrad review

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

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

Rewards

$0

Annual fee

0% intro for the first 12 billing cycles (then 15.24% to 24.24% variable)

Purchase APR

670

Minimum Credit Score

Details

Annual fee$0
Welcome offerN/A
Rewards3x points at BMW Motorrad Dealers and BMW Centers, 1x points on gas and 1x points on all other purchases
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)
Minimum Credit Score670
IssuerVisa

Review by


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.

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 12 billing cycles 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.

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
Blue Cash Preferred® Card from American Express
$300 statement credit after spending $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 other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Earn unlimited 2x miles on every purchase, every day
$95
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
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Compare up to 4 providers

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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