Rewards · American Express · No annual fee
Last verified 2026-09-09. Review issuer source
Citi Bloomingdales American Express Card is a no-annual-fee points card from Citi. It earns 3x on every purchase with no categories to track. Rewards are Bloomingdales points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $246, an effective 1% back.
Get it if you already fly or stay with Bloomingdales often enough to use the perks. A general travel card earns points that go more places. It charges 3% on foreign purchases, so leave it home when you travel abroad.
No welcome bonus is stored for this catalog entry yet.
Get 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.
5,000 points = $25 Reward
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Bloomingdales American Express CardThis card · 3x on everything | None | $246 | +$246 | 677th of 1,291 |
| Citi Double Cash®Citi's most-held other card · 2% on everything | None | $492 | +$492 | 282nd of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
