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Department Stores National Bank Bloomingdales American Express Card — Shoppers Delight!

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Founded in 1861, Bloomingdale’s is one of the elite department stores, catering to upscale shoppers – so it makes sense to partner up with a credit card institution such as American Express. The Department Stores National Bank Bloomingdales American Express Card provides shoppers with:

  • Double points when used in certain departments
  • Reward cash back to use on merchandise
  • Exclusive discounts and perks
  • Complimentary dining opportunities
  • Ability to earn double or triple points
  • Usage outside of Bloomingdales on everyday purchases

With the range of rewards, the Department Stores National Bank Bloomingdales American Express Card provides every cardholder with benefits and savings. For those who frequently shop at Bloomingdales, applying for the reward credit card makes sense – for the savings and financing alone. One reason why having a store card is a great idea is because it frees up members from using other major credit cards on shopping – but since the card is an American Express, it provides ease of use and the ability to use it outside the store for desired purchases.

Launched in 2012, the ‘Loyallist’ Program features four levels of membership – the Department Stores National Bank Bloomingdales American Express Card is the third level and is just like a store retail card, except it also has the American Express logo and ability to use it as a regular credit card.

Benefits of the Department Stores National Bank Bloomingdales American Express Card

There are an exceptional number of benefits and rewards for cardholders who use the Department Stores National Bank Bloomingdales American Express Card in the store. The standard reward benefits include three points for every dollar spent in Bloomingdales, as well as online and outlet locations. Additional benefits include:

  • $25 reward card for every 5,000 points earned. The reward card may be used on any merchandise in the store and there’s no waiting for them to come in the mail – shoppers are notified in-store about reward card status and the cards are available for use the following day.
  • When using the Department Stores National Bank Bloomingdales American Express Card, if the bill is $100 or more, the Dining Club comps cardholders the value of a non-alcoholic drink and entrée.
  • Points are doubled when the card is used in the fragrance and cosmetic department.
  • Access to the Shoe Club, which offers a discount of 25% off on any regular priced pair of shoes after the purchase of five pairs of women’s shoes.
  • Two reward points when used outside the store on everyday purchases.

Opting for the Department Stores National Bank Bloomingdales American Express Card provides cardholders with more flexibility and options to earn points to redeem for $25 Rewards Cards to use in store. Those who shop at Bloomingdale’s frequently – and use the card everywhere else – will have no trouble earning $25, $50 or more each year to apply toward a shopping balance.

Terms and Conditions for the Department Stores National Bank Bloomingdales American Express Card

As a store credit card, there is usually not much to worry about when it comes to rates and fees. Annual percentage rates are usually a bit high compared to major credit cards – the Department Stores National Bank Bloomingdales American Express Card features an APR of 24.50%. There are no options for cash advances or balance transfers, which could be troublesome for those who might want to take balances from higher interest cards and apply them to the Department Stores National Bank Bloomingdales American Express Card. However, retail store credit cards don’t usually offer reward points for such options – so it doesn’t make much of an impact on the usage of this card. If a balance transfer or cash advance is important, there are many American Express cards that offer lower rates and options.

Not having any amenities in terms of options for cardholders makes having the card simple and easy to use – perfect for those who want a no frills card with plenty of benefits to use in a favorite department store. New credit card holders will appreciate the simplicity of the terms and conditions, though having a department rewards credit card might be tempting for shoppers who don’t practice responsible spending.

Late or returned payments accrue an addition fee of $25 to $35 dollars per transaction, so it’s essential to pay the bill before the due date to avoid extra charges. Cardholders who like the convenience of paying bills online have the ability to make use of the online bill pay – these services reduce the risk of late payments and give cardholders the opportunity to monitor account summary or manage the account.

There are a few reasons why holding the Department Stores National Bank Bloomingdales American Express Card is ideal – the savings provided through special perks and rewards is beneficial to frequent shoppers. The final level of the ‘Loyallist’ program includes the Bloomingdale’s American Express Reserve Cardholder, which offers even more benefits and elite status for shoppers. One way to obtain this card is to spend $3,500 annually – which translates to approximately $300 a month. Avid shoppers at Bloomingdale’s can likely reach that amount annually, thanks in part to the wide selection of goods provided within the store.

The Department Stores National Bank Bloomingdales American Express Card is a decent card – the annual percentage rate is higher than many major cards, but competitive in the world of retail credit cards. If shopping is important – as is using perks and rewards as a discount – then the credit card offers a substantial number of rewards benefits and caters to female shoppers with the additional points earned in departments such as the cosmetics or fragrance counters.

Having the Department Stores National Bank Bloomingdales American Express Card in a wallet frees up the use of major credit cards and can easily be used for shopping purposes only, but it’s important to examine the reasons for wanting a card to see if this option is a good one for shopping needs or lifestyle. If the goal is to reach the Bloomingdale’s American Express Reserve Cardholder, the  Department Stores National Bank Bloomingdales American Express Card is a great first step to achieving that goal – and the final level of the Loyallist program offers even greater benefits and rewards.

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