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

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This American Express card is quite literally at the Top of the List when it comes to Bloomingdale’s store cards, featuring more points back on purchases and some extra shopping benefits like free local delivery, free gift wrap, and access to Top of the List-only offers and events.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.24% Variable

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

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 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
Introductory Bonus
  • 20% off your purchases the day of and day after, up to $250.

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% Variable
Cash Advance Fee 4%, $5 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
Bloomingdale’s American Express Card at the Top of the List


  • 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

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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.

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