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BMW Motorrad World Mastercard: Earn 5,000 Bonus Points

Cory Santos

| Last updated on October 3rd, 2023

BMW Motorrad World Mastercard

BMW Motorrad World Mastercard
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

BMW Motorrad World Mastercard

  • 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

The BMW Motorrad World MasterCard is an exceptional rewards credit card for the motorcycle enthusiast who wants to pamper their bike without paying an annual fee. The card earns 4X points on BMW Motorrad purchases, 3X points on gas station purchases, and 2X points on dining. The card also boasts 25% more redemption value on BMW Motorrad award options, including eligible purchases, services, and loan/lease payments.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn up to 4X points per $1 on eligible purchases
  • 0% intro APR on purchases and balance transfers for 12 months
  • No annual fee
  • Get 25% more from your rewards when you redeem points for a BMW Rewards Card
  • Redeem rewards for travel, merchandise, cash back, or a monthly bike payment
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 30 days from account opening date
  • Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You own a BMW motorcycle
  • You have your motorcycle loan or lease through BMW Bank of North America
  • You want to finance a significant purchase over the next 12 months
  • You don’t want to pay an annual fee

BMW Motorrad World Mastercard Review

There aren’t many great credit cards for motorcycle enthusiasts out there. Sure, there’s the Harley Davidson Card and a few others, but the value is always somewhat lacking. Thankfully, the BMW Motorrad World Mastercard from Elan Financial Services fills that void nicely. The card features enhanced points on BMW Motorrad purchases, plus gas station and dining purchases – all for no annual fee.

Two Decent Introductory Bonuses

The BMW Motorrad World Mastercard also provides two introductory offers. The first of these bonuses is a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles. A full year without interest charges on purchases makes the BMW Motorrad Card the perfect accessory for the BMW bike owner, expecting a significant maintenance bill or bike upgrade.

The second introductory offer is 5,000 bonus points after spending $500 on purchases within the first 90 days of account opening. The 5,000 bonus BMW Motorrad Rewards Points is a welcome feature, helping supercharge the already quality points-earning potential of the card.

How to Earn Rewards

Earning points with the BMW Motorrad World Mastercard is fairly straightforward. Yes, there are tiers. However, they are pretty easy to remember, with cardholders earning 4X points per $1 spent on BMW and BMW Motorrad purchases (including parts, service, maintenance, or accessories), 3X on gas station purchases, 2X on dining, including fast food, and a flat rate of 1X on all other purchases made with the card.

BMW Credit Card Comparison

BMW Mastercard

BMW Motorrad Mastercard

BMW Precision Mastercard
Annual fee $0 $0 $99
Rewards on BMW purchases 4X 4X 5X
Other rewards 3X on gas, 2X on dining, and 1X on everything else 3X on gas, 2X on dining, and 1X on everything else 3X on gas, 2X on dining, and 1X on everything else
Credits N/A N/A $70 dealership credit
0% intro APR 12 months on purchases and balance transfers 12 months on purchases and balance transfers N/A
Other N/A N/A Priority Pass Select
Network World Mastercard World Mastercard World Elite Mastercard

How to Redeem Points

There are no caps on how many points are earned with the BMW Motorrad World Mastercard. However, points expire roughly five years after earning them. They expire at 11 PM at the end of the calendar quarter, five years from the quarter the points were earned.

BMW Motorrad Rewards Points are the currency of the BMW Motorrad Mastercard, and points apply to several award options:

BMW dealership purchases BMW dealership parts & service Travel
Merchandise Cash back BMW monthly payments

What’s great about redeeming points with the BMW Motorrad World Mastercard is that you can use your points for any purchase at a BMW Motorrad motorcycle dealership and even online. This includes auto purchases and leases and services, parts, and accessories.

The card provides 25% more points value when choosing this option, which is excellent news for those who love to spend on their BMW motorcycle. Other reward options provide lower value. Still, the ability to select from multiple redemption options for points is welcome news – especially as most auto rewards credit cards are designed only for use with specific dealerships or brands.

Mastercard and Other Card Benefits

As noted, the BMW credit cards are Mastercard products. The basic, no annual fee BMW Mastercard is a World Mastercard product, meaning cardholders enjoy an elevated level of service and protections, including the following:

Zero liability protection Airport concierge ID theft protection Mastercard Travel Services
Mastercard Global Services Priceless Experiences Priceless golf Lyft credits
Shoprunner membership Fandango savings Mastercard Hotel Stay Guarantee

Beyond these Mastercard-centric perks, BMW Motorrad Credit Cardholders will also enjoy EMV chip technology, mobile wallet compatibility with Apple Pay, Google Pay, and Samsung Pay, and a helpful, BMW Motorrad mobile app that allows users to redeem their BMW Motorrad Rewards Points anywhere they want instantly.

These perks are standard with other BMW credit cards. Still, they combine to provide an enticing overall package. Less enticing, however, is the 3% foreign transaction fee. While a 3% isn’t extortionate (unless you make a huge transaction), the fact that the card is a World Mastercard means it would have been preferable – and maybe even expected – for it to charge no foreign transaction fees.

Other Auto Cards to Consider

Toyota/Lexus Rewards Visa®

My GM Rewards® Mastercard®

Jeep® DrivePlus Mastercard®
Issuer Comenity Marcus by Goldman Sachs FNBO
Annual fee None None None
Rewards Earn 5X points at Lexus or Toyota Dealerships, 2X on gas, dining, and entertainment, and 1X on all other purchases Earn 7X total points per dollar spent with GM and 4X points on all other purchases Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
Intro APR N/A 0% for 12 months on purchases 0% for 6 months on FCA US dealership purchases $499+

Elan Financial Ratings

How does Elan stack up as a credit card issuer? Here is a selection of ratings for the bank:

Should You Apply for the BMW Motorrad World Mastercard?

The BMW Motorrad Mastercard is a great credit card for the BMW Motorrad (motorcycle) owner and enthusiast. While this is a tiny subset of the American consumer base, the card offers plenty of value for those individuals.

The ability to earn 3X points on gas is particularly appealing – making the card the perfect accessory for the daily commute – and the weekend road trip on their bike. Plus, the 25% reward bonus on BMW Motorrad purchases rewards users who want to pamper their bike – but don’t want to pay an annual fee.

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