CI
Citibank

Bloomingdale's Credit Card

$0 Annual Fee
16.59%–32.74% Variable Purchase APR
620+ Recommended FICO
Points Reward Type
Browse Cards Citibank Bloomingdale's Credit Card

Rewards

Reward TypePoints
Base Rate3x / 3%
Bonus RateUp to 10x
Point Value~0.01¢ each
Expiration85% of all remaining points are forfeited on January 1 of each year; Rewards (once issued) do not expire on the same schedule and are valid for 6 months after issuance; points may also expire on inactive accounts
Redemption NotesPoints can only be redeemed for Bloomingdale's merchandise rewards (5,000 points = $25 reward); cannot be exchanged for cash, used to purchase Bloomingdale's Gift Cards, or applied as payment toward the account balance; rewards expire 6 months after issuance; 85% of unredeemed points are forfeited annually on January 1
CategoryRateTypeCap
Triple Points Days — Top of the List Unlocked Tier
Earn triple points (30 points per $1) on chosen personal Triple Points days at Bloomingdale's; Top of the List Unlocked members receive 5 Triple Points days per calendar year.
30x Points No cap
Triple Points Days — Top of the List Tier
Earn triple points (12 points per $1) on chosen personal Triple Points days at Bloomingdale's; Top of the List members receive 4 Triple Points days per calendar year.
12x Points No cap
Bloomingdale's Purchases — Top of the List Unlocked Tier
Earn 10 points per $1 spent at Bloomingdale's (store card) when Top of the List Unlocked status is achieved by spending $15,000 or more in net purchases in a calendar year.
10x Points No cap
Triple Points Days — Loyallist Tier
Earn triple points (9 points per $1) on chosen personal Triple Points days at Bloomingdale's; base Loyallist members receive 2 Triple Points days per calendar year.
9x Points No cap
Bloomingdale's Purchases — Top of the List Tier
Earn 4 points per $1 spent at Bloomingdale's when Top of the List status is achieved by spending $5,000 or more in net purchases in a calendar year. Applies to both the store card and the American Express card.
4x Points No cap
All Other Purchases — American Express Card (Top of the List Unlocked)
Earn 4 points per $1 spent everywhere American Express is accepted outside of Bloomingdale's when Top of the List Unlocked status is achieved (American Express card only).
4x Points No cap
Bloomingdale's Purchases — Loyallist Tier
Earn 3 points per $1 spent at Bloomingdale's, bloomingdales.com, and Bloomingdale's The Outlet Store as a base Loyallist member. Applies to both the store card and the American Express card.
3x Points No cap
All Other Purchases — American Express Card (Loyallist and Top of the List Tiers)
Earn 3 points per $1 spent everywhere American Express is accepted outside of Bloomingdale's as a Loyallist or Top of the List member (American Express card only; excludes cash advances, money orders, and other cash equivalent transactions).
3x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
Neither the Bloomingdale's Card nor the Bloomingdale's American Express Card carries an annual fee.
Financial $0
Up to $0
Amex Offers (Amex Card)
Bloomingdale's American Express cardmembers have access to Amex Offers, providing targeted statement credits and savings at select merchants for shopping, dining, and more.
Lifestyle Complimentary
Entertainment Access (Amex Card)
Bloomingdale's American Express cardmembers receive early access to premium tickets for concerts, theater, sports, and other events.
Lifestyle Complimentary
Authorized User Earning
Points are earned on purchases made by authorized users and credited to the primary cardmember's Loyallist account.
Other Complimentary
Bloomingdale's App Account Access
Cardmembers can manage their Loyallist rewards, view account details, and access benefits through the Bloomingdale's mobile app.
Other Complimentary
Online Account Management
Cardmembers can check their balance, available credit, review statements, and make payments through the online account portal.
Other Complimentary
10x Points at Bloomingdale's — Top of the List Unlocked Tier
Earn 10 points per $1 spent at Bloomingdale's when Top of the List Unlocked status is achieved by spending $15,000 or more in net purchases in a calendar year.
Rewards 10x points
3x Points at Bloomingdale's — Loyallist Tier
Earn 3 points per $1 spent at Bloomingdale's, bloomingdales.com, and Bloomingdale's The Outlet Store as a base Loyallist cardmember.
Rewards 3x points
3x Points Everywhere American Express is Accepted (Amex Card)
Bloomingdale's American Express cardmembers earn 3 points per $1 spent everywhere American Express is accepted outside of Bloomingdale's as a Loyallist or Top of the List member; excludes cash advances and cash equivalents.
Rewards 3x points
4x Points at Bloomingdale's — Top of the List Tier
Earn 4 points per $1 spent at Bloomingdale's when Top of the List status is achieved by spending $5,000 or more in net purchases in a calendar year.
Rewards 4x points
4x Points Everywhere American Express is Accepted — Top of the List Unlocked (Amex Card)
Bloomingdale's American Express cardmembers with Top of the List Unlocked status earn 4 points per $1 spent everywhere American Express is accepted outside of Bloomingdale's.
Rewards 4x points
Bloomingdale's Loyallist $25 Rewards
Every 5,000 Loyallist Points earned are automatically converted into a $25 Reward redeemable for merchandise at Bloomingdale's in store or online; Rewards expire 6 months after issuance.
Rewards 5,000 points = $25 reward
Fraud Protection
Cardmembers are protected from unauthorized charges; Citi monitors the account and alerts cardmembers of suspicious activity.
Security Complimentary
20% Off Opening Discount
Receive 20% off purchases on the day you open a Bloomingdale's card account and the following day, for a maximum total savings of $250 over the two days.
Shopping Up to $250 savings over 2 days
Up to $250
Exclusive Storewide Offers
Cardmembers receive access to exclusive double, triple, and Power Points offers throughout the year to accelerate points earning at Bloomingdale's.
Shopping Complimentary
Free Shipping Every Day
Cardmembers receive complimentary standard shipping on bloomingdales.com with no minimum purchase required, on purchases shipped to a single U.S. address (excludes furniture, mattresses, rugs, and appliances).
Shopping Complimentary
Personal Triple Points Days — Loyallist Tier
Base Loyallist cardmembers receive 2 personal Triple Points days per calendar year, on which they earn triple points on purchases in store and online at Bloomingdale's.
Shopping 3x bonus (9 points per $1) on chosen days
Personal Triple Points Days — Top of the List Tier
Top of the List cardmembers (spending $5,000+ annually) receive 4 personal Triple Points days per calendar year, on which they earn triple points on purchases in store and online at Bloomingdale's.
Shopping 3x bonus (12 points per $1) on chosen days
Personal Triple Points Days — Top of the List Unlocked Tier
Top of the List Unlocked cardmembers (spending $15,000+ annually) receive 5 personal Triple Points days per calendar year, on which they earn triple points on purchases in store and online at Bloomingdale's.
Shopping 3x bonus (30 points per $1) on chosen days
Personalized Monthly Perks
Cardmembers receive tailored Perks of the Month offers delivered to their inbox every month, providing personalized savings and bonus point opportunities.
Shopping Complimentary

Interest Rates

Purchase APR16.59%–32.74% Variable
Min. Interest Charge$2
Deferred Interest Warning: Interest will be charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period.

Approval & Eligibility

620 Recommended minimum FICO · Range 620–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyEasy
Credit ProfileFair
Approval OddsGood
Decision TimeInstant
Student EligibleYes
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Excessive returns to manipulate Loyallist points balance, returning merchandise purchased during the opening 20% discount to exploit the welcome offer, using the card for non-Bloomingdale's purchases (store card only), application fraud or misrepresentation
International Friendly
May have limitations for international use.
Additional Issuer Rules
The Bloomingdale's Credit Card welcome offer (20% off on day-of and next-day purchases, up to $250) is available at account opening with no spend threshold or time window beyond the two-day window. There are no documented 48-month bonus restrictions or card-family bonus cliffs for this store card, and standard Citi retail services application rules apply rather than Citi's personal card velocity limits (8-day and 65-day rules). The card is a closed-loop store card usable only at Bloomingdale's, bloomingdales.com, and Bloomingdale's The Outlet Store, with no balance transfer or cash advance features.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Citibank
$0
Annual Fee
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APR 16.59%–32.74% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Min. FICO620+
Online
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