BMW Platinum Visa

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One point for every $2 spent using the card; there's no point boost for purchases at BMW dealers, although points are doubled when you buy gas.

Points can be used to earn up to $5,000 back on a BMW lease or loan if it comes from BMW Financial Services. They can also be redeemed for added miles on a lease (for cars leased through BMW only), dealer service, repairs, parts and merchandise. All cardholders also automatically receive travel and emergency roadside assistance.

Points expire after five years.

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Anyone can apply;
Phone: 888/269-2273
www.bmwusa.com/creditcard

Variable APR of prime plus 5.99%

Because it is relatively ungenerous in rewarding points, the BMW Platinum Visa is not a good fit for people who aren't committed BMW drivers. For those who are — and if you use credit for a lot of purchases, particularly gas — the card can be a useful tool to defray the cost of your next BMW, or to add lease miles to the car you're already driving.