Best credit card for Bloomingdale's
Bloomingdale's own cards carry a rate that applies at Bloomingdale's. It does not extend to other department stores, and the rewards are Bloomingdale's-only, so compare it with a flat-rate card before signing up.
Only 2 cards in our database pay a bonus that applies at Bloomingdale's — Bloomingdale's American Express® Card at 3.0¢ per dollar. Everything else earns its base rate, where Capital One Venture Business leads at 2.6¢.
Updated 2026-09-16
Cards with a bonus that applies at Bloomingdale's
Ranked by real value — the printed rate multiplied by our conservative value for the currency it pays, so a big multiplier in a weak currency can't win on the number alone. The "what the rate covers" column is the issuer's own printed wording, because that is what decides whether the bonus reaches this merchant at all.
| # | Card | Value | Rate | What the rate covers | Cap | Fee |
|---|---|---|---|---|---|---|
| 1 | Bloomingdale's American Express® Card Citi |
3.0¢/$ | 3x | Bloomingdale's only: Bloomingdale's, Bloomingdale's The Outlet and bloomingdales.com; not other department stores | uncapped | $0 |
| 2 | Bloomingdale's Credit Card Citi · store card, this retailer only |
3.0¢/$ | 3x | Bloomingdale's only: Bloomingdale's, Bloomingdale's The Outlet and bloomingdales.com | uncapped | $0 |
The best flat-rate cards for Bloomingdale's
General-purpose cards ranked by the real value of the rate they pay on everything — what Bloomingdale's earns when no bonus category applies. Store cards and single-retailer cobrands are excluded here: rewards you can only spend at one chain can't answer "what should the rest of my spending go on?"
| # | Card | Base value | Base rate | Fee |
|---|---|---|---|---|
| 1 | Capital One Venture Business Capital One · business |
2.6¢/$ | 2x | $95 |
| 2 | Capital One Venture Rewards Capital One |
2.6¢/$ | 2x | $95 |
| 3 | Capital One Venture X Business Capital One · business |
2.6¢/$ | 2x | $395 |
| 4 | Capital One Venture X Capital One |
2.6¢/$ | 2x | $395 |
| 5 | Citi Double Cash® Card Citi |
2.0¢/$ | 2% | $0 |
| 6 | U.S. Bank Smartly Visa Signature Card U.S. Bank |
2.0¢/$ | 2% | $0 |
| 7 | Fidelity Rewards Visa Signature Elan Financial Services |
2.0¢/$ | 2% | $0 |
| 8 | Wells Fargo Active Cash Wells Fargo |
2.0¢/$ | 2% | $0 |
| 9 | Apple Card Goldman Sachs |
2.0¢/$ | 2% | $0 |
| 10 | Capital One Spark Cash (Spark 2% Cash) Capital One · business |
2.0¢/$ | 2% | $95 |
A store-only rate in store-only rewards
The Bloomingdale's cards' best rate applies only at Bloomingdale's, and the rewards spend only there. The table above values them at our published value for those rewards, so the comparison with a cash card is like for like.
When it's worth it
For a regular Bloomingdale's shopper, the store rate and member perks can add up. For occasional purchases, a flat-rate cash card is simpler and nearly as good.
The honest caveat
Merchant coding is set by the payment networks, not by us: a store can change how it codes, a franchise can code differently from a corporate location, and an issuer can revise its exclusions without announcing it. Everything above comes from the printed terms in our maintained database, valued at our conservative point values — but the only way to know what a specific card pays on your charges is to score them. That is exactly what the optimizer does.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
← All merchant & bill guides · Best card for Macy's · Best flat-rate cash-back cards · All best-card-for guides