Verdict: This is a standard store credit card with a very high APR, only good for frequent large-purchase shoppers at Bloomingdale’s.
There are no benefits to this card beyond the discount received when you apply and the free shipping for certain online orders.
Overview: This card has a very high APR (23.99%) with late fees that reach the maximum once your balance is $300.
There is no annual fee for the Bloomingdale’s credit card however, making it a good option for people that shop at Bloomingdale’s often.
How This Card Works:
The Bloomingdale’s credit card is good at Bloomingdale’s stores and at bloomingdales.com.
When you apply for this credit card you will receive 10% all shopping for two days, and free shipping on online orders over $150.
The savings is limited to $150 on mattresses and $250 on furniture.
Travel and Shopping Benefits:
When you apply for the Bloomingdale’s credit card you receive 10% off all shopping at Bloomingdales the following two days.
You also receive free shipping on all orders over $150 online when you use your Bloomingdale’s card.
Fees:
The APR is 23.99% with a default rate of 26.99%. The default rate occurs if the minimum monthly due is not paid for two consecutive billing cycles, or twice in a twelve month period.
The minimum finance card is $2.00, and the grace period is a generous 25 days.
There is no annual fee for the Bloomingdale’s credit card.
Late fees are as follows: $15 for balances up to $50, $29 for balances between $50 and $300, and $39 for balances above $300.
The Bottom Line
Pros:
- 10% off two days shopping at Bloomingdales
- Free shipping on online orders above $150.
Cons:
- Very high APR
- High late fees
