Bloomingdale's Credit Cards
American ExpressIssued by Citibank
The luxury shopper's tool: earn up to 5% back (10 pts/$) at Bloomingdale's plus free shipping and exclusive 20% opening discounts.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
32.74% – 32.74%
Rate based on prime rate.
SIGN-UP BONUS
250
Get 20% off your Bloomingdale's purchases on the day you are approved and the following day, capped at $250 in total savings.
TOP POINTS
10 pts per $1
Earn 10 points per $1 at Bloomingdale's when you spend $15,000+ annually with your card.
Key Benefits
- Two types: Bloomingdale's Card (Store Only) and Bloomingdale's American Express® Card
- Automatic enrollment in the Loyallist rewards program
- 20% off your purchases the day you open a card and the next day (up to $250 total)
- Free shipping every day at bloomingdales.com with no minimum purchase
- Perk of the Month: Tailored monthly offers sent via email
Important Limitations
- Carrying a balance (exceptionally high 32.74% variable APR)
- General cash back seekers (rewards are effectively 1.5% store credit at base level)
- International use with the Store card (only works at Bloomingdale's)
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| In-Store & Online | 3 pts per $1 | Unlimited (no annual cap) | • Bloomingdale's • bloomingdales.com |
| All | 10 pts per $1 | Unlimited (no annual cap) | • Bloomingdale's |
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
$10 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Triple Point Days
- ✓Pick specific days throughout the year to earn triple points on all Bloomingdale's purchases.
- ✓Loyallist members get 2 days
- ✓Top of the List members get 4 days
- ✓Top of the List Unlocked members get 5 days
Amex Offers (Amex version only)
- ✓Exclusive access to discounts and statement credits for dining, shopping, and travel.
- ✓Must add offers to card via the Amex website or app before purchasing
Security Features
- ✓Amex Fraud Protection – Advanced monitoring for the American Express version to prevent unauthorized use.
Best Use Cases
IDEAL FOR
- Frequent Bloomingdale's shoppers who want free shipping on every order
- Luxury shoppers aiming for 'Top of the List Unlocked' status (10 points per $1)
- Individuals who can pay in full monthly (due to very high interest rates)
NOT RECOMMENDED FOR
- Carrying a balance (exceptionally high 32.74% variable APR)
- General cash back seekers (rewards are effectively 1.5% store credit at base level)
- International use with the Store card (only works at Bloomingdale's)
Maximize Your Rewards Strategy
Months 1–0.06: 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 pts per $1 on In-Store & Online
- 10 pts 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:
1-800-600-5402
Terms subject to change · View full terms
Last updated: Feb 18, 2026
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