Bloomingdale’s American Express Card at the Top of the List

For People with
Fair Credit



The Bloomingdale’s American Express Card at the Top of the List is a step up from the Bloomingdale's American Express® Card, offering bigger rewards and some more benefits. Once you spend over $3,500 in a calendar year at Bloomingdale’s using your Bloomingdale’s Amex, you’ll be upgraded to this card within 60 days.

You’ll earn 8X points per dollar spent on shoes, cosmetics, and fragrances at Bloomingdale’s, along with 4X points per dollar for all other purchases at and outside of Bloomingdale’s.

Along with other American Express benefits, you’ll get complimentary fur storagefree online shipping and local delivery, four triple points days per year, and more.

Card Quick Facts

Card Quick Facts

  • Earn 8X points per dollar spent on cosmetics and fragrance, and shoes at Bloomingdale’s in-store and online
  • Earn 4X points per dollar spent at Bloomingdale’s in-store and online, and for purchases outside Bloomingdales
  • Must spend over $3,500 at Bloomingdale’s in a calendar year to get upgraded to this card
  • Free shipping from
  • Eligible for double, triple, and power points events
  • Get a special offer sent to you monthly
  • Four triple points days per year
  • Exclusive offers and events for Top of The List members
  • Free local delivery up to $28 for certain in-store purchases
  • Store one article of fur clothing at Bloomingdale’s for the summertime

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 8X points per dollar spent at Bloomingdale’s in-store and online on:
    • Cosmetics
    • Fragrance
    • Shoes
  • 4X points per dollar spent on:
    • All other purchases in-store and online at Bloomingdale’s
    • All other purchases outside of Bloomingdale’s
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.49% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 27.49% Variable
Cash Advance Fee 4%, $5 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Premium Travel Services

    Travel privileges for flying, hotels, rental cars, cruises and more. More information here.

  • Free Shipping

    For in-store and online purchases.

  • Friends & Family

    Get early access to Friends & Family and exclusive Top of the List events.

  • Dining Club

    Get a reward for an entree and non-alcoholic beverage, up to $19 for every $100 (minus tax and gratuity) you spend in a Bloomingdale’s restaurant on your Bloomingdale’s Card.

  • Free Local Delivery

    Up to $28 for qualifying in-store purchases.

  • Triple Points Days

    You get four triple points days per year.

  • Eligible For Power Points

    Points on eligible purchases that can add to your total points balance.

  • Gift Wrap

    Get unlimited complimentary gift wrap.

  • Monthly Offer

    Get a special offer sent to you monthly.

  • Free Fur Storage

    Store an article of fur clothing for the summer at Bloomingdale’s, even if you didn’t purchase it from Bloomingdale’s.

  • American Express Offers

    Get special offers from a changing selection of top brands.

  • American Express Benefits

    You will be provided with a list of specific benefits when you get your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

The Insider

Abigail Welles
How to Protect Yourself From Credit Card Fraud: Scams, Skimmers, and Phishing
Abigail Welles | Sep 20, 2019

Do you know what a credit card skimmer is? You may have swiped your card through one without even knowing, leaving your information in the hands of a thief.

Read More
Jacob Lunduski
2019 Survey: 40% of Retail Store Credit Cardholders Regret Applying
Jacob Lunduski | Sep 19, 2019

Do you have a retail store credit card? Is it useful, or do you get hit with interest and fees? Learn why so many people regret getting store cards here.

Read More
Abigail Welles
What Is a Data Breach and What Should I Do If I Am a Victim of One?
Abigail Welles | Sep 17, 2019

Data breaches are more common than ever, exposing the confidential information of millions of Americans each year. Have you been involved in a breach?

Read More