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from personal experience....an absolutely waste....
i just called today to redeem points to buy some stuff from the bmw-online.com website (since that's the only website you can use it on). you get $1 back for each $1000 spent (0.1%) so i redeemed $200 for spending $20,000 using it....i'm switching to Capital One !!!
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drbimmer97 
2012 F10 sport package: gloss black vinyl roof wrap: black grills: black side markers: Stage 2 JB4: 19" CSL wheels: more mods to follow
"LYF SUX - NLS U DRV A BMR"
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