Bloomingdales American Express Card
How we calculate effective rate →
The Bloomingdales American Express Card from Citi earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points.
What does the Bloomingdales American Express Card earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bloomingdales American Express Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bloomingdales American Express Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 3% |
| Gas Gas stations and fuel | 3x points | 3% |
| Travel Flights, hotels, transit | 3x points | 3% |
| Other General everyday spend | 3x points | 3% |
Madeen values Bloomingdale's at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Bloomingdales American Express Card?
The Bloomingdales American Express Card fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points.
Bloomingdales American Express Card fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Bloomingdale's value depends on how you redeem, not straight cash back.
Does the Bloomingdales American Express Card have an annual fee?
The Bloomingdales American Express Card has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Bloomingdales American Express Card?
The Bloomingdales American Express Card includes Entertainment Access, Rewards in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Entertainment Access
$10/yrGet early access to premium tickets for concerts, theater, sports and more, all year round. You can purchase presale tickets before the general public to special events and experiences when you use your Card. Please see Terms and Conditions below.
Rewards
5,000 points = $25 Reward
Related encyclopedia topics
Common questions about the Bloomingdales American Express Card
What credit score do you need to get a Bloomingdale's card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Bloomingdales American Express Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Bloomingdales American Express Card have an annual fee?
The Bloomingdales American Express Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Bloomingdales American Express Card?
Dining is the strongest Madeen category for the Bloomingdales American Express Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Bloomingdales American Express Card charge foreign transaction fees?
The Bloomingdales American Express Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Bloomingdales American Express Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Bloomingdales American Express Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Bloomingdales American Express Card?
Rewards on the Bloomingdales American Express Card post as Bloomingdale's. Redemption value depends on how you use Bloomingdale's (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Bloomingdales American Express Card compare to similar cards?
Compare the Bloomingdales American Express Card against Citi Custom Cash℠ (5% on Dining, $0 fee); Citi Forward (4% on Dining, $0 fee); Citi Prestige (4% on Dining, $495 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bloomingdales American Express Card This card | Dining | 3% | $0 |
| Dining | 5% | $0 | |
Citi | Dining | 4% | $0 |
Citi | Dining | 4% | $495 |
| Dining | 3% | $99 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
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Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Madeen may earn compensation from apply links. Affiliate disclosure