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BMW Precision World Elite Mastercard® review

A solid rewards card for BMW enthusiasts

Get this card if you spend a significant amount at BMW and on fuel purchases.

Pick something else if you want a gas rewards card with more redemption options.

Apply with a good credit score of 670 or higher.

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Steven Dashiell

Last Updated Feb 3, 2021

7,500

Points as welcome offer

Up to 5x

Points

$99

Annual fee

15.24% to 24.24%

Purchase APR (variable)

Annual fee	$99
Welcome offer	7,500 points after spending $1,000 in the first 90 days
Rewards	5x points on BMW purchases, 3x points on gas, 2x points on dining and 1.5x points on all other purchases
Purchase APR	15.24% to 24.24% variable
Balance transfer APR	15.24% to 24.24% variable
Minimum Credit Score	670

Cash advance rate	24.99% variable
Cash advance fee	$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee	None
Interest free period	Up to 24 days
Late payment fee	Up to $40
Returned payment fee	Up to $35
Security deposit	N/A
Minimum Interest	$2
Rates & fees	Terms apply, see rates & fees

Review by

Steven Dashiell

steven.dashiell@finder.com

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

The BMW line of cards recently underwent an issuer change, moving from BMW to U.S. Bank. With the change, these cards received several additions to their rewards structure, elevating them from the narrow niche they previously occupied .

The BMW Precision World Elite Mastercard® is the higher-end offering of the two, coming in with a $99 annual fee. It offers 5x points on BMW purchases, 3x points at eligible gas stations, 2x points at eligible restaurants and 1.5x points on all other purchases. You’ll also enjoy a 7,500 point signup bonus after you spend $1,000 in your first 90 days of account opening and a $70 annual dealership credit.

At face value, this is a fairly valuable card. It’s earning rate on fuel is nothing to sneeze at and the points earned on all other purchases are 0.5 higher than the average you would see on a category card. You can redeem these points on travel, merchandise, cash back and loan payments at a rate of 1 cent per point. Use your points to buy a BMW rewards card and that point value will rise to 1.5 cents per point.

The BMW Precision World Elite Mastercard® otherwise has little that stands out compared to other rewards cards. For example, there’s no intro APR on purchases or balance transfers and you could be subject to nearly every type of credit card fee out there if you’re not careful. As such, this card could find a place in a BMW-head’s wallet, but doesn’t have the oomph to compete with other reward cards out there.

How to apply for the BMW Precision World Elite Mastercard®.

To apply for the BMW Precision World Elite Mastercard®, you can do the following:

Go to the BMW credit card page
Click the Apply now button underneath the BMW Precision World Elite Mastercard®.
Fill out your personal information, including your income and employment information.
Click the box next to I accept the Terms and Conditions and then click Submit.

What credit score do I need?

To qualify for the BMW Precision World Elite Mastercard®, you’ll need a good credit score of 670 or higher.

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Bottom line

For such a niche rewards card, the BMW Precision World Elite Mastercard® isn’t a bad choice. If you’re a fan of BMW or want a way to make more back on your BMW purchases, you might consider checking out this card. For everyone else, you’ll likely want a standard rewards card.

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