Shop Bloomingdale's often enough and the idea of 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 closer look. Before you apply, it helps to know exactly what the Bloomingdale's credit card offers and whether a credit-builder card fits your goals better.
This review breaks down the rewards, APR, and fees in plain English. We will also compare lower-cost alternatives if your main goal is building credit rather than earning store points.
What Is the Bloomingdale's Credit Card?
The Bloomingdale's credit card lineup includes a store card and a Bloomingdale's American Express card you can use beyond the store. Both tie 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 may require stronger credit for approval. One version is a charge card, meaning you are expected to pay the balance in full each month.
Bloomingdale's Credit Card Rewards
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 5,000 points are needed before you can redeem.
There is a catch to know about. On January 1 each year, 85% of remaining points may be forfeited, so unused rewards can disappear. That makes it important to redeem points regularly rather than letting them stack up.
Bloomingdale's Credit Card APR and Fees
Here is the part to watch. As of April 2026, the APR on the Bloomingdale's cards sits near 32%, which is steep compared with many general-purpose cards. The charge card version does not carry a standard APR because the balance is due in full each month.
There is no annual fee, but the card charges a foreign transaction fee of up to 3%. Check Bloomingdale's or American Express for current terms, since rates can change. A high APR matters most if you carry a balance, so paying in full each month is the safest approach. To plan around due dates, see our guide to the best time to pay your credit card bill.
Who Should Consider It?
The Bloomingdale's credit card suits frequent Bloomingdale's shoppers who pay in full and redeem their Loyallist points regularly. The rewards and perks can add up for devoted customers.
If your main goal is building credit, though, a store card tied to one retailer may not be the best fit. Credit-builder cards report to the major bureaus, charge smaller fees, and are not locked to a single store. Let us compare a few, starting with the Self Visa Credit Card.
The Self Visa® Credit Card pairs a savings-backed account with a card so your on-time payments can help build credit while you save. It is a flexible option for shoppers who want progress they can use anywhere, not just at one department store.
Another option to weigh is the Current Build Card, which links everyday spending to a setup designed for credit building.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
The Current Build Card can help you build credit through daily purchases without a hard credit pull to get started. It reports your activity to the bureaus, which is the part that actually moves your score over time.
If you want a low-cost entry point, the Kikoff Secured Credit Card is also worth considering.
Kikoff Secured Credit Card
Kikoff Secured Credit Card
Kikoff Secured Credit Card works like a debit card & checking account and performs like a credit builder. Build credit with your everyday purchases.
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
Yes
Benefit
0% interest. No credit check.
The Kikoff Secured Credit Card is built around a low minimum deposit and simple monthly use, which can suit beginners who want to keep costs down. As always, terms and conditions apply, and APRs vary by creditworthiness.
How These Compare
The Bloomingdale's credit card is strongest for one purpose: shopping at Bloomingdale's. Its Loyallist rewards reward loyal customers, but the near-32% APR makes carrying a balance expensive, and points can expire if you do not redeem them.
Credit-builder cards like Self, Current, and Kikoff are not about store points. They focus on reporting your payments so your credit can grow over time. For many shoppers building or rebuilding, that long-term payoff matters more than store rewards. To track your progress, Creditship.ai offers credit education and monitoring tools.
Tips for Building Credit
The habits matter more than the card. Pay on time every month, since payment history is the biggest factor in your score. Keep your balance well under your limit, ideally below 30%.
Avoid applying for several cards at once, and review your credit reports for errors. If you were recently turned down, our guide on how to apply for a credit card after being denied can help. You can also explore options built for credit building with Firstcard.
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. For anyone focused on building credit at the lowest cost, a credit-builder card is usually the smarter pick. Terms and conditions apply, and APRs vary by creditworthiness.
Frequently Asked Questions
What credit score do you need for the Bloomingdale's credit card?
The Bloomingdale's store card often approves applicants with fair credit, roughly in the 600s, while the Bloomingdale's American Express card usually needs stronger credit. Issuers do not publish an exact cutoff, so your overall profile matters. Approval is never guaranteed.
Does the Bloomingdale's credit card have an annual fee?
No, the Bloomingdale's credit card does not charge an annual fee. The American Express version does add a foreign transaction fee of up to 3% on purchases made outside the United States.
Do Bloomingdale's Loyallist points expire?
Yes, they can. 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.
Is a credit-builder card better than the Bloomingdale's credit card?
If your goal is improving your credit, a credit-builder card is often the better fit because it reports to the bureaus and usually costs less to carry. The Bloomingdale's card is best for frequent shoppers who pay in full and redeem points often.
