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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
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Up to 3x

Points

$0

Annual fee

0%

Intro purchase APR

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

0%

Intro balance transfer

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

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)
Recommended 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
Up to $350: 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)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Up to $250: 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
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
TD Double Up℠ Credit Card
$75 cash back in the form of a statement credit when you spend $500 within the first 90 days after account opening
Up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account
$0
Earn up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
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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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