Bloomingdale's American Express® Card
American ExpressIssued by Citibank
Earn 3 Loyallist points per $1 at Bloomingdale's and everywhere American Express is accepted (points act as store credit).
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
32.74% – 32.74%
Rate based on prime rate.
SIGN-UP BONUS
250
Take 20% off your Bloomingdale's purchases today and tomorrow (up to a total savings of $250 over the two days) upon account opening.
TOP POINTS
3 points per $1
Earn 3 Loyallist points for every $1 spent at Bloomingdale's, bloomingdales.com, or Bloomingdale's The Outlet Store. Reward increases to 4 points per $1 (Top of the List status) or 10 points per $1 (Top of the List Unlocked status) based on annual spend.
Key Benefits
- Earn 3 points per $1 spent at Bloomingdale's, bloomingdales.com, and Bloomingdale's The Outlet Store
- Earn 3 points per $1 spent everywhere else American Express is accepted
- Earn up to 10 points per $1 at Bloomingdale's based on your annual spending tier (Top of the List Unlocked)
- Every 5,000 points equals a $25 Reward redeemable at Bloomingdale's
- Free shipping every day on bloomingdales.com with no minimum purchase required
- Access to Amex Offers for dining, shopping, and entertainment
Important Limitations
- Carrying a month-to-month balance due to the very high variable APR
- General travel or cashback rewards (points are strictly Bloomingdale's store credit)
- International travel (has a 3% foreign transaction fee)
Rewards Structure
Bloomingdale's Purchases
3 points per $1Annual limits
Unlimited (no annual cap)
Details
- Bloomingdale's
All
3 points per $1Annual limits
Unlimited (no annual cap)
Details
Earn 3 Loyallist points for every $1 spent everywhere else American Express is accepted outside of Bloomingdale's. Points value equates to 1.5% back in Bloomingdale's rewards.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Bloomingdale's Purchases | 3 points per $1 | Unlimited (no annual cap) | • Bloomingdale's |
| All | 3 points per $1 | Unlimited (no annual cap) | Earn 3 Loyallist points for every $1 spent everywhere else American Express is accepted outside of Bloomingdale's. Points value equates to 1.5% back in Bloomingdale's rewards. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
32.74% – 32.74%
CASH ADVANCE APR
32.74% – 32.74%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$5 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Free Everyday Shipping
- ✓Receive free shipping every day on bloomingdales.com with no minimum purchase required.
- ✓Must use the Bloomingdale's American Express Card on bloomingdales.com
- ✓Furniture, mattresses, and area rugs may be excluded
Personal Triple Point Days
- ✓Pick specific days throughout the year to earn Triple Points on purchases made in-store and online at Bloomingdale's.
- ✓Must select your Triple Point days in advance via your account portal
Security Features
- ✓Zero Liability – You won't be held responsible for unauthorized charges made with your card.
Best Use Cases
IDEAL FOR
- Frequent Bloomingdale's shoppers who can take advantage of Loyallist points
- High-spending Bloomingdale's customers who can unlock Top of the List tiers for 10x points
- Consumers looking for a no-annual-fee department store card that can be used anywhere
NOT RECOMMENDED FOR
- Carrying a month-to-month balance due to the very high variable APR
- General travel or cashback rewards (points are strictly Bloomingdale's store credit)
- International travel (has a 3% foreign transaction fee)
Maximize Your Rewards Strategy
Months 1–1: Hit the Bonus
- Spend $1,250.00 to unlock $250.00 bonus
- Effective 20% return on first $1,250.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Points
- 3 points per $1 on Bloomingdale's Purchases
- 3 points per $1 on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-347-4934
Terms subject to change · View full terms
Last updated: Mar 10, 2026
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