Frequently Asked Questions

How to Apply
Call 1-800-364-9648 and choose Option 1 for the status of an application. For your security, you will be required to enter your Social Security number. Additional verification items may also be needed.
There is no annual fee for the MINI Card. See Terms & Conditions.
The APR is competitive for credit cards that offer rewards. Find current rates.
Upon approval, you should receive your card within 7-10 business days.
How to Earn and Redeem Points
As a MINI Cardmember, you will earn points based on eligible Net Purchases (Net Purchases are purchases minus credits and returns) made with your Account. You will earn points as follows:
  • 4 points for every $1 in eligible net purchases during each billing cycle at merchants classified as MINI (including MINI Dealerships).
  • 3 points for every $1 in eligible net purchases during each billing cycle at merchants classified as gas stations.
  • 2 points for every $1 in eligible net purchases during each billing cycle at merchants classified as restaurants, eating places or fast food.
  • 1 point per $1 for all other eligible net purchases during each billing cycle.

Please remember that Elan Financial Services cannot control how merchants choose to classify their business or transactions and reserves the right to determine which purchases are eligible.

For complete program details, refer to the Program Rules located in the Rewards Center or refer to your Benefits Guide included with your new Account.

You can redeem your points for any of the options listed in the Rewards Center, including:
  • MINI Rewards Cards to be used for MINI purchases
  • MINI Lease or Finance Payment Credits
  • Travel Rewards
  • Gift Card/Gift Certificate Rewards
  • Merchandise Rewards
  • Magazine Rewards
  • Event Ticket Rewards

For a complete list of rewards, log into your account at myminicreditcard.com, then visit the Rewards Center to view, manage, and redeem your points.

Once you have earned enough points for a reward, redeeming is simple. You can use the Rewards Center to turn your points into rewards by logging into your account at myminicreditcard.com. You may also redeem over the phone by calling 888-229-8864 and a Rewards Service Advisor will assist you with your redemption.
Yes, you can redeem your points for a MINI Rewards Card that can be used to pay for items at participating MINI Dealerships like vehicle down payment, service and repairs, lifestyle accessories, and MINI Protection Products. Or use the MINI Rewards Card to pay for additional lease miles, excess wear & use costs at lease end and MINI experiences. Plus, your points are worth 25% more when you redeem for MINI Rewards Cards and there’s no limit to the number of Rewards Cards that can be redeemed!
Yes, when you redeem your points for a MINI Rewards Card that can be used to pay for MINI items your points are worth more. For example, 4,000 points are worth a $50 MINI Rewards Card compared to a $40 statement credit.
Additional Questions
Please visit our About Account Access page to learn more about enrolling your account online.
Yes, go to the App Store and search for the MINI App to download to your iOS or Andriod.
Contact 24-hour Cardmember Services with any questions about your card at 866.845.3079.