Bloomingdale's Credit Card

Citibank Pending

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14

Benefits

2

Reward Categories

2x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: 015

Issuer: Citibank

Card Name: Bloomingdale's Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:54

Last Scraped: Feb 07, 2026 16:34

Apply URL: Visit

SCRA Benefits (Military Members)

Eligible Servicemembers may qualify for a 6% interest rate on account balances incurred prior to active duty start date. To apply, send active duty orders to Citibank, N.A., P.O. Box 790398, St. Louis, MO 63179-0398.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Bloomingdale's Purchases 2x Points Qualifying purchases at Bloomingdale's, in-store and online. No Cap
All Other Purchases 1x Points All other purchases everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING

Reward Type: ThankYou Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on top eligible spend category each billing cycle (up to $500 spent). Categories include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Live Entertainment, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs.

Quarterly Rotating: No

Cap Amount: $500.00

Expiration Policy: ThankYou Points do not expire as long as your account is open and in good standing. If the account is closed, points typically expire within 60 days.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 14 Total
PENDING
Financial 2
Special Financing Offers
Varies by offer

Access to special financing offers on eligible purchases made with the card.

No Annual Fee
$0

The Bloomingdale's Credit Card has no annual fee.

Lifestyle 1
Exclusive Offers and Events Access
Access to exclusive offers and events

Unlock access to exclusive offers and events for cardmembers.

Purchase Protection 2
Extended Warranty
Up to 1 additional year

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when you pay with your Mastercard. Subject to terms and conditions.

Purchase Protection
Varies by claim, typically up to 90-120 days

Covers eligible new purchases made with your Mastercard against theft or accidental damage for a specified period (e.g., 90 or 120 days) from the date of purchase. Subject to terms and conditions.

Security 2
Mastercard ID Theft Protection™
Comprehensive protection

Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with identity restoration. Enrollment may be required.

Mastercard Zero Liability Protection
Full protection against unauthorized purchases

Protects cardholders from unauthorized purchases made with their Mastercard credit card. Cardholders are not held responsible for unauthorized transactions.

Shopping 4
Bloomingdale's Rewards Earning (In-Store & Online)
2 points per $1

Earn 2 points for every $1 spent on qualifying purchases at Bloomingdale's, in-store and online.

Mastercard Rewards Earning (Everywhere Else)
1 point per $1

Earn 1 point for every $1 spent on qualifying purchases everywhere else Mastercard is accepted.

Welcome 20% Off Shopping Pass
Up to $250 in savings

Receive a 20% off shopping pass for your first day's purchases.

Free Shipping on Bloomingdale's Purchases
Free shipping

Enjoy free shipping on bloomingdales.com and in-store purchases with no minimum purchase required.

Travel 1
Mastercard Global Service™
24/7 emergency assistance

Provides emergency assistance services anytime, anywhere, and in any language. This includes reporting a lost or stolen card, emergency card replacement, and emergency cash advance.

Travel Insurance 2
Car Rental Collision Damage Waiver
Secondary coverage

Provides secondary coverage for damage due to collision or theft of most rental vehicles when you pay for the entire rental transaction with your eligible Mastercard and decline the rental company's collision damage waiver. Subject to terms and conditions.

Travel Accident Insurance
Varies by policy

Provides coverage for accidental death or dismemberment when traveling on a common carrier (e.g., plane, train, bus, ship) and the entire fare is charged to your eligible Mastercard. Subject to terms and conditions.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: None
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Balance Transfer APR: 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Applicants are generally eligible for one welcome bonus per card family every 24 months. This means you must wait 24 months after receiving a bonus or closing an account within the same product family before being eligible for a new bonus on a similar card. Citibank also typically enforces application velocity rules, such as not approving more than 1 card application within an 8-day period and no more than 2 applications within a 65-day period. Eligibility for a welcome bonus usually requires that you have not had the specific card or a similar product within the last 24 months.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit, excessive credit seeking, rapid account opening/closing (churning), abuse of welcome bonuses, failure to pay on time, suspicious or fraudulent activity, significant changes in spending patterns inconsistent with credit profile.

Cliff Effect Rules: The 24-month rule applies to card families. If you receive a bonus on a card within a specific product family (e.g., a ThankYou Preferred card), you must wait 24 months before being eligible for a bonus on another card within the same ThankYou Preferred family, even if it's a different variant. This prevents earning multiple bonuses on closely related products within a short timeframe.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Frequent shoppers appreciate the exclusive discounts, free shipping, and accelerated Loyallist points earnings, making it highly rewarding for purchases at Bloomingdale's. It also offers a pathway to build credit for some users.

Top Negative:
Common complaints include a very high Annual Percentage Rate (APR), perceived issues with Citibank's customer service for retail cards, and limited utility or lower reward rates for spending outside of Bloomingdale's.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Nordstrom Visa Signature Card
  • Citi Double Cash Card
  • Macy's Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $185.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0