Citi
Bloomingdale’s American Express Card
Key Features
| Annual Fee | $0.00 |
| Regular APR | Purchase, Balance Transfer, and Cash Advance APR: 32.74% (rates may vary with the market based on the Prime Rate). |
| Other Fees | Minimum Interest Charge: $2.00. Cash Advance Fee: The greater of $5.00 or 4% of the amount of each cash advance. Transaction Fee for Purchases in Foreign Currency: 3% of the U.S. Dollar amount of each purchase. |
| Network | American Express |
About this card
The Bloomingdale's American Express Card receives an overall rating of 2.1 out of 5.0. This assessment considers several factors including the card's APR, rewards program, fee structure, reputation, and target audience fit. While the card offers a generous sign-up bonus and some perks tailored to Bloomingdale's shoppers, it is significantly weighed down by its extremely high APR of 32.74% and foreign transaction fees, making it a costly option for carrying a balance. The rewards program is decent for loyal Bloomingdale's customers, but redemption options are limited, reducing its overall value compared to general rewards cards. The card's reputation is mixed, with experts warning about the high APR and recommending it only for those who pay their balance in full each month. The lack of an annual fee is a positive aspect, but it is overshadowed by the high interest and other fees. Ultimately, the card is best suited for a niche audience of frequent Bloomingdale's shoppers who can take advantage of the rewards and discounts without incurring interest charges. Given the high cost of carrying a balance and the limited redemption options, the card's overall value proposition is weak, leading to a fair rating.
Pros & Cons
What's great
- Generous sign-up bonus
- No annual fee
- Exclusive store offers
- Entertainment access
Things to consider
- High regular APR
- Foreign transaction fees apply
What this card offers
Sign-up bonuses
- Get 20% off today and tomorrow Up to a total savings of $250 over the two days when you open a Bloomingdale's card.
Rewards
- Loyallists: 3 points per $1 spent
- Top of the List: 4 points per $1 spent
- Top of the List Unlocked: 4 points per $1 spent
- 3 points per $1 spent for Loyallist
- 4 points per $1 spent for Top of the List
- 10 points per $1 spent for Top of the List Unlocked
Other features
- Bloomingdale's app Tap into rewards and more with the Bloomingdale's App.
- Manage your account online Check your balance and available credit, review your statement, make a payment and more. It's easy to manage your account with our online portal.
- Free shipping every day on bloomingdales.com. No minimum purchase required.
- Personal triple points days Pick days throughout the year to get Triple Points on purchases in store and online.
- Exclusive storewide offers Get your next rewards faster with double, triple and Power Points offers.
- Personalized monthly offers Get tailored-to-you Perks of the Month delivered to your inbox every month.
- Amex offers Save with special offers on shopping, dining and more.
- Entertainment access Get early access to premium tickets for concerts, theater, sports and more.
Additional Notes
5,000 Points = $25 Reward. Rewards can be used online or in store at Bloomingdale’s. You can use the Bloomingdale’s American Express Card anywhere that American Express is accepted including in store and online.