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Bergdorf Goodman/Neiman Marcus InCircle Credit Card Review

Luxury retailers Bergdorf Goodman and Neiman Marcus have come together to provide a luxury credit card (powered by Capital One) and rewards program for their customers. InCircle allows customers of Bergdorf Goodman, Neiman Marcus, Last Call, Horchow, and Cusp to receive points on their selection of high-end clothing, footwear, accessories, beauty and home furnishings.

In this article, we’ll review various perks these cards provide, and how to get the most out of them when using Giving Assistant.

Top Perks

Bergdorf Goodman card review

  1. Save 6-12% on online purchases with Giving Assistant cash back (6% cash back for Savvy Shoppers; 12% for Power Shoppers.)
  2. Earn 2 InCircle Points for Every Dollar Spent on net purchases (purchases minus store credit or returns) in store. Shipping, sales tax, and gift wrapping options do not apply to earning points.
  3. Exclusive card-member-only perks. The Bergdorf Goodman card packs on members-only perks. If you make a purchase on the same day you open the card, then you are welcomed with 5,000 InCircle points. This brings you halfway to a $100 Point Card, which you earn for each 10,000 InCircle points. Other perks include Perk Cards, a Day of Choosing, Free Shipping, and InCircle Concierge Services. (More details on these perks below.)

Key Details

  • 23.99% variable interest rate
  • Up to $35 in late fees
  • No annual fee
  • No over the credit limit fee
  • Up to $25 returned payment fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
  • 26-day interest-free purchases

How the Bergdorf Goodman Credit Card InCircle Points Reward System Works

If you’re a frequent Bergdorf Goodman shopper, the InCircle Rewards System has a lot to offer. Using your store credit card earns you 2 points for every $1 of your purchase. Those points can be redeemed for a variety of rewards.

  • Automatically receive $100 Point Card for every 10,000 points earned
      • Point Cards expire approximately 6 months after issue
  • Earn 2 Points for every $1 spent in store or online
  • InCircle Rewards are given based on your annual spend, with each higher tier unlocking access to new rewards in addition to those of the previous tier
      • Circle One of the InCircle Rewards tier (an annual spend of $0-$999) gains access to member-only sales, special events, and occasions that allow you to earn extra points.
      • Circle Two of the InCircle Rewards tiers (an annual spend of $1,000-$2,499) earns you a Day of Choosing, which gives you an opportunity to earn double points for every dollar spent on any day of the year for purchases in store, online, or by catalog. Circle Two also unlocks free shipping on any website or catalog purchase with a coupon code.
      • Circle Three of the InCircle Rewards tiers (an annual spend of $2,500-$4,999) earns you free gift packaging on purchases made in store or online, where available. Additionally, you receive a $25 Perk Card, which can be used on store services designed to elevate the shopping experience. These services include:
          • In-store dining
          • Alterations
          • Fur storage, upkeep, and restyling
          • Precious jewelry upkeep and engraving
          • Shoe and handbag upkeep
          • Expedited store delivery
          • Valet parking
          • Monogramming
          • Salons
          • Eyeglass frame and lens services
      • Circle Four of the InCircle Rewards tiers (an annual spend of $5,000-$9,999) grants you access to the InCircle Concierge Services, a network of professionals that can help arrange travel excursions and secure in-demand tickets, restaurant reservations, and runway attire.
      • Circle Five of the InCircle Rewards tiers (an annual spend of $10,000-$34,999) upgrades you from a $25 Perk Card (rewarded upon entering Circle Three) to a $50 Perk Card.
      • Circle Six of the InCircle Rewards tiers (an annual spend of $35,000–$74,999) upgrades you from a $50 Perk Card (rewarded upon entering Circle Five) to a $100 Perk Card. Additionally, you gain access to the Fitting Room Experience. The Fitting Room Experience features light refreshments and more personalized attention.
      • The President’s Circle is the seventh tier of InCircle Rewards (an annual spend of $75,000-$600,000). The President’s Circle upgrades you from a $100 Perk Card (rewarded upon entering Circle Six) to a $150 Perk Card. Additionally, the number of points you earn per dollar increases from 2 points per dollar to 5 points per dollar.
      • The Chairman’s Circle is the eight tier of InCircle Rewards (an annual spend of $600,000 or more). The Chairman’s Circle gains you complimentary access to the following in-store amenities designed to enhance your shopping experience:
          • In-store dining
          • Alterations
          • Valet parking
          • Fur services
          • Local courier delivery
          • Precious jewelry upkeep and engraving
          • Shoe and handbag upkeep
          • Monogramming
          • Eyeglass frame and lens service
          • Salon services

        You also gain access to complimentary itineraries. These one-of-a-kind elite travel excursions are designed to take you extraordinary destinations worldwide.

Here’s an Example Scenario of InCircle Rewards

If you open a credit card with Bergdorf Goodman and spend $500 that day, you will earn 1,000 Points (2 for every $1 spent) in addition to the 5,000 Points earned for using your card the same day you open it. If you spend $500 at Bergdorf Goodman each month for a year, you will move up to Circle Four of the InCircle Rewards tiers (annual spend of $6,000).

Who is This Credit Card Best For?

This store credit card is ideal for frequent shoppers at Bergdorf Goodman, Neiman Marcus, Last Call, Horchow and Cusp. This store credit card can only be used at Neiman Marcus or its partner brands. The more frequently you shop at these locations, the more valuable your store credit card becomes.

How to Get a Bergdorf Goodman Store Credit Card

Getting a Bergdorf Goodman store credit card is simple. You can apply in-store at a register. You can also apply online by following this link and filling out your information. You will be asked for personal information including your Social Security Number and income information to determine eligibility. Eligible candidates must also be 18 years-old or older. Eligible candidates cannot have more than 5 credit cards open with Capital One and co-brands and cannot have defaulted on a Capital One credit card in the last year.

What Else Should I Know About?

Luckily, the Bergdorf Goodman store credit card has no annual fee. However, you’ll want to be aware of other fees and expiration dates. Point Cards expire approximately 6 months after they are issued. Perk Cards expire approximately 3 months after they are issued. This credit card has a 25.49% variable interest rate, so paying off your balance at each month would result in savings over time. There is a minimum interest fee of $0.50, but you have 26 interest-free days on your purchases.

Tips For Using The Bergdorf Goodman Store Credit Card

  1. Pay it off quickly. Because of the high variable interest rate on the Bergdorf Goodman credit card (25.49%), it is best to pay your purchases off within the 26-day grace period. This will help you avoid having interest fees tacked on to your existing balance, and ultimately free up space on your credit line so that you may continue to make purchases and earn points.
  2. If you’re racking up points, keep the terms in mind. Points are earned on net purchases. That means that dollars spent on sales tax, shipping, and gift wrapping options are not eligible to earn points. Additionally, returns and store credit are excluded from point calculations.
  3. Make the most out of your Bergdorf Goodman credit card. By using your Bergdorf Goodman store credit card with all of Bergdorf Goodman’s co-brands (Neiman Marcus, Last Call, Horchow and Cusp) you maximize your point-earning potential. It’s easier to hit those higher tier reward levels when you’re using the card at multiple stores! Don’t forget to maximize your savings by using your Bergdorf Goodman store credit card with Giving Assistant for an additional 6-12% in cash-back.

How to Use Your Bergdorf Goodman Credit Card with Giving Assistant

When you go to Giving Assistant you’ll find verified coupons for multiple brands that offer up to 30% savings on select items. By using a Giving Assistant-provided link when you shop you have the potential to earn cash back, save on your purchase price, and get the added benefits from your Bergdorf Goodman Credit Card when you pay for your purchase.

To get started, you first need to sign up for an account on Giving Assistant. Once enrolled, visit the Giving Assistant Bergdorf Goodman store page here to view the current coupons, promo codes, and deals.

Download the Giving Assistant browser extension called the Button, to automatically populate the highest-value coupons as you visit thousands of online shopping websites.

Maximize your rewards earnings and saving potential by combining your Bergdorf Goodman Credit Card with discount codes and offers found at Giving Assistant today!

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