Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

BMW MINI Card review

Last updated:  

A niche BMW card MINI aficionados will appreciate.

  • Consider this card if you’re a big spender at MINI dealerships.
  • Pick something else if you want a rewards card with stronger and more diverse earning potential.
  • Apply for this card with a good 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 spending $500 in the first 90 days
Rewards4x points on eligible MINI purchases, 3x points at gas stations, 2x points at restaurants and 1x points 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 Mini Card from BMW is one of four newly introduced or updated credit cards from vehicle manufacturer BMW. The card is tailored for BMW enthusiasts and comes with a 5,000 bonus point signup bonus after you spend $500 within the first 90 days of account opening. It earns 4x points on eligible MINI purchase, 3x points on eligible gas purchases, 2x points on restaurant purchases and 1x point on everything else. It also has a $0 annual fee and comes with a 0% intro APR on purchases and balance transfers for 12 billing cycles, reverting to 15.24% to 24.24%.

If you’ve seen the other new BMW credit cards, the gist of the card is similar: a card with solid earning rates across several categories, with a majority of your earned value coming from eligible MINI redemptions. In this case, your MINI Reward Points are worth 25% more when redeemed on MINI gift cards.

The rewards structure is the same as the BMW World Mastercard®, and it comes with the same drawback: If you’re not spending exclusively on MINI purchases or gas, the card’s earning rates are below average compared to other cards on the market. As a result, the card’s value ultimately comes down to how often you’re spending on eligible MINI purchases.

How to apply for the BMW MINI Card

To apply for the BMW MINI Card:

  1. Go to the BMW MINI Card website.
  2. Click on Apply Now.
  3. Fill out your personal information, including date of birth, address, phone number and employment information.
  4. If you’re interested in performing a balance transfer or adding authorized users, you can select Yes on each field to fill out corresponding information.
  5. Accept the card Terms and Conditions and click Submit.

What credit score do I need?

You’ll want a good credit score of 670 or higher to qualify for the MINI Card.

BMW MINI Card benefits

  • Earn rewards. You’ll earn 4x points on eligible MINI purchases, 3x points at gas stations, 2x points at restaurants and 1x points on everything else.MINI Reward Points are worth 1 cent apiece on most redemption options. The only exception here is MINI gift cards: Redeeming your points on a MINI gift card will boost your point value by 25%, totaling to 1.25 cents each. This is a fairly standard redemption rate. However, if you’re not spending frequently at MINI dealerships, the card’s average earning potential falls behind the leading cards on the market. There are better choices for gas and restaurant rewards.
  • Signup bonus. You’ll earn 5,000 bonus points after you spend $500 within the first 90 days of account opening. This is worth about $50 or $75 if you redeem it on a MINI gift card. This is easy to obtain, but terribly small by signup bonus standards.
  • Intro APR. This card comes with a 0% intro APR on purchases and balance transfers for 12 billing cycles, reverting to 15.24% to 24.24% variable.
  • No annual fee. You won’t pay an annual fee to use this card.
  • Mastercard benefits. You’ll enjoy several complimentary Mastercard benefits, including cellphone protection and ShopRunner membership.

What to watch out for

  • High fees. You’ll pay up to $40 for late payments and $35 for returned payments.
  • Foreign transaction fees. You’ll pay a 2% fee on foreign purchases made with this card.

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.
loading

Compare up to 4 providers

Bottom line

As a supplementary credit card for MINI purchases, the BMW MINI Card performs well enough. But if you are looking for a card that helps you earn on everyday purchases like gas and groceries, you’ll want to look at other reward cards on the market for better options.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site