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Department Stores National Bank


Is there really a bank that offers Department Store National Bank credit cards? Yes! Department Stores National Bank, also known more simply as DSNB is a major card issuer of Visa as well as private retail labels. Department Store National Bank is also a subsidiary of Citibank that provides credit card management services to third parties and affiliates.

This banking institution is certainly different, and one doesn’t come across the name often, although two of the department stores served by Department Stores National Bank credit cards are two of the most well-known and respected stores in America: Macy’s and Bloomindales.

Types of Department Stores National Bank Credit Cards

Department Stores National Bank credit cards are mainly focused on credit card operations of the Bloomingdale’s and Macy’s department stores. These are the only two department stores serviced by Department Stores National Bank. The main types of Department Stores National Bank credit cards include:

• Macy’s credit card
• Macy’s American Express card
• Bloomingdale’s credit card
• Bloomingdale’s American Express card


Anyone who shops at Macy’s or Bloomingdale’s knows what kind of benefits you can enjoy by shopping there. For example, some of the services provided by the Bloomingdale’s credit card include percentage discounts and a variety of privileges, reward points, and perks based on your credit approval and enrollment in the Loyalist program.

When it comes to Macy’s, the Macy’s store rewards credit card is available in Preferred, Elite, and Premier Elite status. Benefits for shopping at Macy’s with the Macy’s credit card and the new Macy’s American Express card depend on status. For example, perks include a certain percentage off purchases 3, 6 or 12 times a year, depending on your status. Spending levels will determine which account you have, for example:

• Macy’s Preferred: $1-$499 per year
• Macy’s Elite: $500-$999 per year
• Macy’s Premier Elite: $1,000+ per year

When you use your Bloomingdale’s American Express card or the Bloomingdale’s card, card members earn three points for every dollar spent.

Annual Percentage Rates and Fees

Annual percentage rates and fees for Department Stores National Bank credit cards naturally depend on the card you have. Department Stores National Bank credit cards, which include the basic Macy’s and Bloomingdale’s cards, offer an annual percentage rate of 24.50%. Late payment and return payment penalty fees can rise up to $35. Statistics regarding the Bloomingdale’s credit card and the Bloomingdale’s American Express card were not readily available.

Contact Department Stores National Bank credit cards customer service to determine annual fees, as well as any other fees attached to either the Macy’s or Bloomingdale’s regular cards, or the Bloomingdale’s American Express or Macy’s American Express Department Stores National Bank credit cards.

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