Bloomingdale’s Credit Card: What You Need to Know Before You Apply

If you love shopping at Bloomingdale’s, their branded credit cards could be a smart way to save money, earn rewards, and unlock exclusive perks. Whether you’re a casual shopper or a fashion-forward regular, this guide will help you decide if either version of the Bloomingdale’s Credit Card is right for you.

Two Card Options

1. Bloomingdale’s Store Card

• Use: In-store and online at Bloomingdale’s only
• Issuer: Citibank
• Best for: Loyal shoppers who don’t need to use the card elsewhere

2. Bloomingdale’s American Express® Card

• Use: Anywhere Amex is accepted
• Extra benefits: Earn points outside of Bloomingdale’s, such as on gas, groceries, and dining

Both cards come with no annual fee and automatic enrollment into the Bloomingdale’s Loyallist rewards program.

️ Rewards Program Breakdown

• 5,000 points = $25 reward
• Points are valid until January 1st of the following year

Sign-Up Perks and Cardholder Benefits

• 20% Off First Purchase (Up to $250): Valid the day of approval and the following day
• Free Standard Shipping on bloomingdales.com
• Birthday Reward: Bonus Loyallist points during your birthday month
• Exclusive Offers: Personalized monthly promotions and early access to select sales

How to Apply

You can apply:

• Online: At the Bloomingdale’s Credit Card page
• In-store: At any Bloomingdale’s customer service desk

Expect a quick credit evaluation. You’ll receive an immediate decision in most cases, with the card arriving in about 7–10 days if approved.

⚠️ Things to Keep in Mind

• High APR: Pay off your balance each month to avoid steep interest charges
• Limited Use for Store Card: The store-only card can’t be used outside of Bloomingdale’s
• Points Expire: Make sure to redeem your rewards before they reset each January

✅ Who Should Consider This Card?

You’ll benefit most if you:

• Spend frequently at Bloomingdale’s and can reach higher spend tiers
• Want access to early sales and shipping perks
• Use the Amex version to earn points on daily expenses

It might not be ideal if you:

• Rarely shop at Bloomingdale’s
• Prefer cash-back or travel rewards
• Tend to carry a balance (due to the high APR)

Final Thoughts

The Bloomingdale’s Credit Card is built for dedicated shoppers who want to get the most out of their loyalty. With generous tiered rewards, early sale access, and solid sign-up perks, it offers good value—especially if you shop there consistently. For more flexible spending and rewards, the Amex version gives you added reach.