| Rewards | Cardholders earn 2 InCircle points for every $1 spent on eligible purchases at Bergdorf Goodman (and related merchants). When you accumulate 10,000 InCircle points, they automatically convert into a $100 Point Card (i.e. store credit). |
|---|---|
| Signup Bonus | 5,000 InCircle bonus points when they open the card and make a qualifying purchase within 30 days. |
| Annual Fee | $0. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 28.24% |
| Cash Advance Fee | Either $3 or 3% of the cash advance amount — whichever is greater. |
| Late Payment Fee | Up to $38. |
| Purchases APR | 15.15% / 21.15% / 25.15% (depending on creditworthiness) — after any introductory period/offer. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Bergdorf Goodman Credit Card is a no-annual-fee store card built for luxury shopping, offering 2x InCircle points at Bergdorf and related stores, plus a 5,000-point signup bonus after a first purchase.
Most users say they love the fast-earning rewards on high-end purchases, early access to sales, free shipping, and the ability to rack up store credit fairly quickly if they already shop here often. Many reviewers mentioned that the bonus point events and exclusive perks feel genuinely “VIP.”
The biggest complaints are the high APR, limited rewards outside Bergdorf/Neiman Marcus, and the fact that points only convert to store credit—not cash. Some users also mention slow customer service during billing disputes.
Personally, I think this card only makes sense if you already spend regularly at Bergdorf. It’s great for loyal luxury shoppers, but for everyday use or flexible rewards, most people will find far better value elsewhere.
RATE THIS CREDIT CARD
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Not worth the high costs
The exclusive offers and early access to designer pieces are nice, but the interest rate and fees are too high. Unless you shop at Bergdorf often, the card doesn't provide enough value to justify keeping it.
