Citi
Bloomingdale's Credit Card
No-annual-fee Bloomingdale's store card offering 3 points per $1 spent. Get instant 20% off when you apply, up to $250 in savings over two days.
Annual fee
None
Top rate
3x online shopping
Welcome bonus
$250
Quick look
Earn Rewards at Bloomingdale's
3 points per $1 with no annual fee
3.3
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Loyal Bloomingdale's shoppers who pay their balance in full monthly and want instant welcome savings without an annual fee.
The verdict
The Bloomingdale's Credit Card is a solid fit only if you shop at Bloomingdale's regularly and pay your full balance monthly. The instant $250 welcome savings and no annual fee are its main draws, but the 32.74% APR makes this risky for anyone who carries balances. The card also lacks rewards outside Bloomingdale's and comes with a 3% foreign transaction fee, limiting its appeal to frequent travelers.
If you're a loyal Bloomingdale's customer who can reliably pay in full each month, the 3% base earning rate and potential tiered benefits (up to 10x points at $15,000+ annual spend) make this card worth considering. For everyone else, a general-purpose rewards card will serve you better.
Pros
- Instant $250 welcome savings (20% off for 2 days) requires no spending threshold
- No annual fee with usable rewards anywhere American Express is accepted
- Tiered rewards structure reaches 10 points per $1 at higher spending levels ($15,000+ annually)
Cons
- 32.74% APR is steep, making this dangerous for cardholders who carry balances
- 3% foreign transaction fee eliminates any rewards value for international purchases
- Rewards only earn at Bloomingdale's; not a card for diversified spending
Reward rates
| Category | Rate | Details |
|---|---|---|
| Online shopping | 3x | 3 points per $1 spent at Bloomingdale's |
The base 3% earning rate at Bloomingdale's ranks 23rd in the online shopping category across the catalog, behind higher-tier merchant cards like the Pottery Barn (10x) and Kohl's (7.5x). The tiered structure is interesting: reach $5,000 annual spend for 4 points per $1, or $15,000 for 10 points per $1. However, unless you consistently spend that much at Bloomingdale's, you're earning at baseline rates with no rewards outside the store.
Fees and APR
Does it pay for itself?
The $0 annual fee is the card's backbone, making it low-friction to hold. But the 32.74% APR and 3% foreign transaction fee are the real cost drivers. This card only works if you treat it like a charge card—pay your full balance every month. If you ever carry a balance, interest accrual will erase any rewards value in weeks.
Welcome bonus
Is it worth chasing?
The $250 instant savings (20% off today and tomorrow) is rare in requiring zero spending. For a shopper planning a purchase anyway, it's a meaningful discount. Just note: it applies to a two-day window immediately after approval, so plan your timing.
Similar cards
Similar no-fee, online-focused structure, but broader rewards (5% back on Prime purchases, rotating 3-5% categories); Amazon's $50 bonus requires less scrutiny than Bloomingdale's 2-day window
Same issuer and structure (Citi, no fee, store co-brand), but L.L.Bean's 20% welcome discount applies to any purchase and its lower APR (28.99% vs. 32.74%) makes balance-carrying safer—though still not recommended
Frequently asked questions
Can I use this card outside Bloomingdale's?
Yes, it's an American Express card accepted wherever Amex is taken. However, you won't earn rewards outside Bloomingdale's, and you'll pay a 3% foreign transaction fee on overseas purchases. For everyday spending, a general-purpose rewards card is better.
How do I reach the higher reward tiers (4x or 10x points)?
The tiering is annual-spend based. Spend $5,000 per year at Bloomingdale's to earn 4 points per $1; hit $15,000 and earn 10 points per $1. This tier resets each year. If you don't hit $5,000 annually, you're stuck at the 3% base rate.
Is the $250 welcome bonus guaranteed?
The offer is 20% off your purchases on the approval day and the next day, capped at $250 total savings. This applies to eligible Bloomingdale's purchases only. Your actual savings depend on what you buy and whether you shop during that window—if you spend less than $1,250, your discount will be less than $250.
What happens if I carry a balance on this card?
The 32.74% APR will apply to your unpaid balance. Interest accrues daily and compounds, quickly erasing any rewards value. This card works only for cardholders who pay in full every month. If you anticipate carrying a balance, this card is not for you.
Reviewed by YoungerFinance Editorial · Last updated August 10, 2026