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Bloomingdale’s Credit Card at the Top of the List

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Only eligible after spending $3,500 per year at Bloomingdale’s, this upgraded version of the retailer’s basic credit card features a higher point per dollar rate and some added shopping benefits like free local shipping and four triple points days per year.

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

Bloomingdale’s Credit 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 in store and online at Bloomingdale’s, on:
    • Shoes
    • Cosmetics
    • Fragrance
  • 4X points per dollar spent in store and online on Bloomingdale’s
Introductory Bonus
  • 20% off purchases made the day off and day after, up to a total of $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 N/A
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.

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Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Bloomingdale’s Credit Card at the Top of the List


  • Earn 8X points per dollar spent on cosmetics, fragrance, and shoes at Bloomingdale’s, in-store and online
  • Earn 4X points per dollar spent at Bloomingdale’s in-store and online
  • Must spend over $3,500 at Bloomingdale’s in a calendar year to get upgraded from the Bloomingdale’s Credit 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 Credit Card at the Top of the List is an upgrade from the Bloomingdale’s Credit Card. If you spend over $3,500 per year at Bloomingdales, you will be automatically upgraded to the Top of the List 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 Bloomingdale’s.

This card comes with a number of valuable perks for Bloomingdale’s, including four triple points days per year, free online shippingfree local delivery up to $28, complimentary fur storage, and more.

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