Bloomingdale's Credit Card 2026 Review: Rewards & Fees

Shop Bloomingdale's often enough and earning Loyallist points on every purchase starts to sound appealing. The Bloomingdale's credit card promises rewards and perks for fans of the store, but its high APR and point-expiration rules deserve a close look. This review breaks down the rewards, APR, and fees in plain English, with the rates verified against the card's official Citibank agreement filed with the CFPB.

Key Facts at a Glance

What Is the Bloomingdale's Credit Card?

The Bloomingdale's lineup centers on the Bloomingdale's American Express card, issued by Citibank on the American Express network, which is open-loop so you can use it far beyond the store. There is also a closed-loop store card for in-Bloomingdale's purchases, and a charge-card version that is paid in full each month. All of them feed into Bloomingdale's Loyallist rewards program.

The store version is typically easier to qualify for, which can appeal to shoppers with fair credit. The American Express version offers wider use but generally expects stronger credit for approval.

Bloomingdale's Credit Card Rewards

According to Bloomingdale's, as of June 2026, the Bloomingdale's American Express card earns 3 points per $1 at Bloomingdale's, bloomingdales.com, and the Outlet, plus 3 points per $1 everywhere American Express is accepted. Rewards flow into the Loyallist program, where you need 5,000 points before you can redeem (typically toward a Bloomingdale's reward card).

There is an important catch. On January 1 each year, up to 85% of any remaining Loyallist points may be forfeited, so unused rewards can disappear. That makes it important to redeem points regularly rather than letting them stack up. The welcome offer is not a fixed cash bonus; Bloomingdale's enrollment promotions vary, often a percentage off your first purchase, so confirm the current one when you apply.

Bloomingdale's Credit Card APR

Here is the part to watch. As of June 2026, the Citibank agreement lists a 33.24% variable APR on purchases, balance transfers, and cash advances, well above the rate on many general-purpose cards. The variable rate is tied to the Prime Rate. There is no 0% intro APR offer. The charge-card version does not carry a standard purchase APR because the balance is due in full each month.

A high APR matters most if you carry a balance, so paying in full each month is the safest approach. For background on how that rate works, see what APR means on a credit card, and to plan around due dates, see our guide to the best time to pay your credit card bill. APRs vary by creditworthiness, and terms and conditions apply.

Bloomingdale's Credit Card Fees

The card has no annual fee and no monthly or maintenance fee, but a few other fees appear in the agreement:

Fees to watch

• Annual fee: $0. Monthly/maintenance fee: none.
• Minimum interest charge: no less than $2 when interest applies.
• Late payment fee: up to $41.
• Balance transfer fee: $10 or 5% of the transfer, whichever is greater.
• Cash advance fee: $5 or 4% of the advance, whichever is greater.
• Foreign transaction fee: 3% of each purchase in U.S. dollars (1% of which is paid to American Express).

These figures come directly from the card's current CFPB agreement. Fees can change, so confirm the latest terms before applying.

Approval, Credit Limit, and Bureaus

Citibank does not publish a minimum score or a fixed starting limit. Reported approvals for the Amex version generally favor fair credit or better, with stronger odds around a 700+ FICO; the store-only card is usually easier. Citibank runs a hard inquiry when you apply. Reported credit limits vary widely, with a commonly cited average near $2,866 and some lines starting around $500. Citibank reports to all three major bureaus (Experian, TransUnion, and Equifax), so on-time payments build history you can use anywhere.

Who Should Consider the Bloomingdale's Credit Card?

The Bloomingdale's credit card suits frequent Bloomingdale's shoppers who pay in full and redeem their Loyallist points regularly. For a devoted customer, 3 points per $1 in-store and everywhere Amex is accepted can add up, with no annual fee to offset.

If your main goal is building credit, a store-tied card is a weaker fit; if a retail card is realistic for your score right now, it is worth comparing the best store credit cards for poor credit first. The 33.24% APR makes carrying a balance expensive, and the January point forfeiture punishes anyone who lets rewards accumulate. If approval is a concern, the Aspire Cash Back Rewards Mastercard is an unsecured card with no security deposit, prequalification up to a $1,000 limit, up to 3% cash back, and reports to all three bureaus, so your on-time payments build history you can use anywhere, not just at one department store.

You can learn more or apply through the Aspire Cash Back Rewards Mastercard.

If you would rather build from your paycheck instead of a deposit, Perpay is powered by your paycheck — no security deposit, shop and pay over time while it reports to all three bureaus, members see an average 32-point increase.

Apply for Perpay to shop and pay over time while it reports your payments. Both options focus on reporting your payments so your credit can grow over time, which often matters more than store points for someone building or rebuilding, and both keep your costs well below a 33.24% retail card. You can track your progress with free tools like Creditship.ai and keep an eye on your credit utilization as your history grows.

Prefer to start small and grow your limit over time? The Arro Card is an unsecured starter card with no deposit and no hard credit check; start with a limit up to $300 that grows toward $2,500 via in-app tasks, reports to all three bureaus. It is a flexible way to build credit you can use anywhere, not just at one department store.

Is the Bloomingdale's Credit Card Worth It?

For loyal Bloomingdale's shoppers who pay in full and redeem points often, the card can deliver real value through its Loyallist rewards with no annual fee. For anyone focused on building credit at the lowest cost, an unsecured credit-building card is usually the smarter pick. Terms and conditions apply, and APRs vary by creditworthiness.

Frequently Asked Questions

What is the APR on the Bloomingdale's credit card?

As of June 2026, the Bloomingdale's American Express card carries a 33.24% variable APR on purchases, balance transfers, and cash advances, per the Citibank agreement. There is no 0% intro APR. The charge-card version has no standard purchase APR because the balance is paid in full each month.

Does the Bloomingdale's credit card have an annual fee?

No, there is no annual fee and no monthly or maintenance fee. The fees to watch are a 3% foreign transaction fee, a late fee of up to $41, and a $2 minimum interest charge when interest applies.

Do Bloomingdale's Loyallist points expire?

Yes, they can. You need 5,000 points to redeem, and on January 1 each year, up to 85% of any remaining Loyallist points may be forfeited. That is why redeeming your points regularly is important rather than letting them build up.

What credit score and limit do I need for the Bloomingdale's credit card?

Citibank does not publish a fixed minimum. The Amex version generally favors fair credit or better, with stronger odds around a 700+ FICO, while the store-only card is usually easier. Reported limits vary, with a commonly cited average near $2,866. It reports to all three bureaus. The card is best for frequent shoppers who pay in full and redeem points often.