Card use is now for emergency only. Their security can almost be annoying. They check every charge and use a triple sign in security .

The rewards program is terrible!! The dealership wasn’t able to redeem the e-gift cards only the physical ones. Then they tell me 3-4 weeks to get back my e rewards so I can get physical cards sent. What’s the point of collecting points if I’m constantly unable to use them. A garbage card that will unfortunately just collect dust.

If I could give this company a -10 rating I most certainly would this is the worst credit card company ever the customer service is horrible and I was treated like crap! I highly do not recommend if you are considering getting a credit card do not choose this company ,, so beware

IF I could give BMW Card A Minus Star I would. They Screwed up my account when transfering to Elan NOT taking Automatic Payments without my knowledge. When I realized it I called them up PAID And they
Reported me to Credit Bureaus!!!!!
I Have an Exceptional Credit with a Red mark from this Horrible Company.
Bad Customer Service
The Worst!!

If I could get them a lower rating, I would.

I've had this card since they were first issued. I'm on the verge of cancelling it. Yes, the customer service is terrible; impossible to ever get a rep. And now that they've transferred the account to Elon, it's even worse. No one knows about anything.

My problem is that a few months ago, 3 fraudulent charges appeared. Clearly fraudulent in that they were 1) gas stations, 2) on the other side of town, 3) all visited on the exact same day. I disputed the charges. BMW then denied my dispute. I disputed them again. BMW denied my dispute a second time. Just submitted my third and final dispute showing my Google timeline and noting that I was NOWHERE near that side of town on the date in question. If they deny my dispute again, I'm cancelling my card and telling everyone within my sphere of influence what a terrible credit card it is.

I called BMW card services on 1/22 because of a recent bill statement I received that I was a little confused about and was needing some explanation on. The rep I was speaking with clearly was continuing to get aggravated with me as the conversation went on. However, no voices were raised, no name calling, nothing like that. I just simply said that I didn't fully understand and that I would just simply login to the BMW site and pay it off (it has a low balance). The call wrapped up but I could tell by the reps voice tone that she was a little more put out over the call than I thought she should be. So I tried to log in to BMW card services site like I've done many times before and my account was disabled!!! I immediately called back and spoke to a different rep who informed me my BMW credit card had been reported lost or stolen! And when this happens it disables your web access, canceled the card and makes it completely unusable. And please hear me when I say this I IN NO WAY TOLD THE 1ST REP THAT MY CARD WAS LOST/ STOLEN! I asked the 2nd rep I was speaking to when was my card reported lost/ stolen and she told me about 10 min prior to the call I was on with her! I was FLOORED!! The 1st rep I spoke to actually disabled my card by reporting it lost/ stolen just because she didn't like the way our conversation went!!! I'm still floored by the whole thing. One would expect a little higher level of professionalism and quality of service as well as proper background screening for employees since it's a BMW product/ service. I requested for them to pull the call and listen to it, and bottom line for me is when they here I in no way reported my card lost or stolen this rep should be fired. If a person is willing to disable a clients credit card just because she didn't like the way a call went then what else is she capable of doing that's fraudulent?

I had this card for over 10 years before I canceled it, as it has by far the worse customer service in the world. I've had more issues with payments being lost or "late", which wasn't the case (my bank proved it), and god for bid you have your card stolen....that was a nightmare in of itself. Also, the rewards on this card are obsolete, with many other cards having better perks and ease of use.… read more

Customer Service not that helpful. Only major cc I am aware of that offer s no option to pay minimum plus an additional amount each month. So if you want that option, you have to do 2 transactions a month. One is recurring for the minimum & the other must be done every month which most people won't do so they pay the minimum each month. I am going to pay this card off ASAP.

I think they are running a Wells Fargo Scam. They take forever to post payments and loose payments, then want to charge you late and interest fees. Worst Customer Service. Contacted ATTORNEY GENERAL TO FILE COMPLSINT.

Love the card. Used it for a discount when I bought my m3. Bmw financial has been excellent to deal with. Haven't had any issues whatsoever and the credit limit is very high and plenty for what I need. They started me with a 25k limit and now I'm up to 50k limit