Bloomingdale's Credit Card
Basic Information
Program ID: 015
Issuer: Citibank
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 06:54
Last Scraped: 01/15/2026 05:08
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $1.00
Time Period: 1 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on top eligible spend category (e.g., Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Live Entertainment, Drugstores, Home Improvement Stores, Fitness Clubs, Streaming Services)
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: Aeromexico Club Premier, Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Wyndham Rewards, Choice Privileges
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants are generally eligible for one sign-up bonus per card family every 24 months. This means if you've received a bonus on a card within the '015' family (or a related product) in the past 24 months, you are ineligible for a new bonus on another card in that family. Eligibility also typically requires not having opened or closed a similar card within a specific timeframe (e.g., 6-24 months, depending on the specific product) and meeting Citibank's general creditworthiness criteria.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citi products, rapid succession of applications (e.g., 1/8, 2/65 day rules), frequent balance transfers without new spend, abuse of sign-up bonuses, suspicious transaction patterns, or defaulting on payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Users appreciate the exclusive discounts and rewards for frequent Bloomingdale's shoppers, along with easy online account management.
Top Negative Feedback:
Common complaints include high APR, occasional issues with reward redemption, and mixed experiences with customer service.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Macy's Credit Card
- Nordstrom Credit Card
- Capital One SavorOne Rewards
Card Value Score: 75.0 / 100
Est. Annual Rewards: $230.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0