The Bloomingdale's Credit Card by Citi stands out as a no-annual-fee card perfect for store loyalists. It offers a decent earn rate on purchases within Bloomingdale's, but rewards are of lower value for spending outside this merchant.
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The app experience is robust, providing good self-service capabilities. However, the high APR and lack of robust travel features are significant drawbacks.
By Harlon Drosghic Apr 2026
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Citi Bloomingdale's Credit Cards
Citi
- Annual Fee
- Free
- Points Program
- Bloomingdale's Rewards
- Minimum Income
- —
- Interest Rate
- 2.73% a.m.
Score by category
Rewards
★★★★★ 2.3/5
Score by category
Rewards
Points & Miles ★★★★★ 2.4/5
- Earn Rate 3.0
- Bonus Categories 2.5
- Redemption Value 2.0
- Points Expiration 3.5
- Transfer Partners 1.0
Cashback ★★★★★ 1.7/5
- Base Cashback Rate 0.5
- Caps & Limits 2.0
- Redemption Ease 3.0
- Bonus Categories 1.0
- Redemption Flexibility 3.0
Credit Building ★★★★★ 2.3/5
- Upgrade Path 1.5
- Credit Bureau Reporting 3.0
- Educational Tools 2.0
- Credit Limit Growth 2.5
- Approval Accessibility 2.0
Lower Fees ★★★★★ 2.5/5
- Annual Fee Value 5.0
- Cost Transparency 3.0
- Penalty Friendliness 2.0
- Foreign Transaction Fee 1.5
Purchase Perks ★★★★★ 2.2/5
- Extended Warranty 1.0
- Installment Perks 1.0
- Merchant Discounts 3.0
- Everyday Usefulness 2.5
- Purchase Protection 2.5
Travel Perks ★★★★★ 1.2/5
- Airport Lounge Access 1.0
- Travel Insurance 1.0
- Travel Redemption 1.5
- No Foreign Tx Fees 1.5
- Hotel & Airline Perks 1.0
Score by category
User Experience
★★★★★ 3.3/5
Score by category
User Experience
App / Experience ★★★★★ 3.4/5
- Ease of Navigation 3.0
- Self-Service 3.5
- Billing Clarity 3.0
- Feature Quality 4.0
- App Speed & Stability 3.5
Support Quality ★★★★★ 3.0/5
- Response Time 3.0
- Channel Availability 4.0
- Agent Professionalism 3.0
- First-Contact Resolution 3.0
- Resolution Effectiveness 2.5
Transparency ★★★★★ 3.0/5
- Terms Simplicity 3.0
- Billing Transparency 3.0
- Fee & Interest Clarity 2.5
- Charge Predictability 3.5
- Communication Clarity 3.0
Security & Control ★★★★★ 3.7/5
- Card Control Features 4.0
- Fraud Protection 4.0
- Virtual Card Experience 3.0
- Incident Resolution 3.5
- Real-Time Monitoring 3.5
Benefits Usability ★★★★★ 3.1/5
- Ease of Earning 3.5
- Ease of Tracking 3.0
- Real-World Value 2.5
- Rules Simplicity 3.5
- Ease of Redeeming 3.0
Pros & Cons Citi Bloomingdale's Credit Cards
Pros
- ✓No annual fee
- ✓Decent earn rate on purchases at Bloomingdale's
- ✓Flexible redemption options within store
- ✓Comprehensive app with good features
- ✓Good self-service capabilities
Cons
- ✗High APR
- ✗Low value for points outside Bloomingdale's
- ✗Limited travel perks
- ✗High foreign transaction fee
- ✗Limited bonus categories
Expert Analysis
AI Analysis
Citocred AI
The Bloomingdale's Credit Card by Citi stands out as a no-annual-fee card perfect for store loyalists.
Full analysis
It offers a decent earn rate on purchases within Bloomingdale's, but rewards are of lower value for spending outside this merchant. The app experience is robust, providing good self-service capabilities. However, the high APR and lack of robust travel features are significant drawbacks.
Best for
frequent-shopper
Avoid if
international-traveler
AI-generated analysis · Methodology by Harlon Drosghic
frequent-shopper
international-traveler
Frequently Asked Questions
Citi Bloomingdale's Credit Cards
What is the interest rate for the Citi Bloomingdale's Credit Cards?
Does the Citi Bloomingdale's Credit Cards have a rewards program?
Does the Citi Bloomingdale's Credit Cards include airport lounge access?
Does the Citi Bloomingdale's Credit Cards include travel insurance?
What credit score is needed for the Citi Bloomingdale's Credit Cards?
Who should get the Citi Bloomingdale's Credit Cards?
Is the Citi Bloomingdale's Credit Cards worth it?
The Citi Bloomingdale's Credit Cards provides a set of benefits designed to add genuine value to your financial routine:
Points Program
Bloomingdale's Rewards
Contactless Payment
Virtual Card
International Acceptance
See 9 benefits not included in this card
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Features — Detalhes
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How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
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Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.