Credit Cards » Credit Card Reviews » Nordstrom Credit Card Review (2024)
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Nordstrom Credit Card Review (2024)

The Nordstrom card offers benefits such as insider status and free trunk club access, but there are better clothing store cards elsewhere
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Nordstrom Credit Card

Nordstrom Rewards Visa

Rewards Plan

1x – 2x 2X points per dollar spent at Nordstrom and its brands, including Nordstrom Rack, and 1X points on all other purchases

Welcome Bonus

$10 – $20 $10 Nordstrom Note for Members and Influencers. $20 Nordstrom Notefor Ambassadors and Icons.

Credit Rating

Good – Excellent

0% Intro

N/A

Annual Fee

$0

APR

18.90% – 25.90%
Nordstrom Credit Card

Nordstrom Rewards Visa

Rewards Plan

1x – 2x 2X points per dollar spent at Nordstrom and its brands, including Nordstrom Rack, and 1X points on all other purchases

Welcome Bonus

$10 – $20 $10 Nordstrom Note for Members and Influencers. $20 Nordstrom Notefor Ambassadors and Icons.

0% Intro

N/A

PROS

CONS

APR

18.90% - 25.90%

Annual Fee

$0

Balance Transfer Fee

N/A

Credit Requirements

Good - Excellent

The Nordstrom Credit Card is a financial tool offered by Nordstrom, a leading fashion retailer. It provides customers with a convenient way to make purchases at Nordstrom stores, online, and at affiliated retailers. The credit card offers a range of benefits, making it an attractive choice for frequent Nordstrom shoppers.

With the Nordstrom Credit Card, customers can enjoy perks such as early access to sales, exclusive discounts, and bonus rewards. Cardholders earn points for every dollar spent, which can be redeemed for Nordstrom Notes, allowing them to save on future purchases.

If you’re highly brand loyal to Nordstrom, this card could be a good option for you, but the limited rewards and limited redemptions may make it an unlikely choice for most people. There are a number of other zero annual fee credit cards that offer far more generous welcome bonuses and ongoing rewards.

  • Insider Status
  • Alterations Credit
  • Trunk Club
  • All Day Customer Support
  • Visa Benefits
  • Modest Bonus
  • Lackluster Rewards
  • No 0% Finance
  • Limited Redemptions

How do I redeem rewards?

Your rewards are automatically added to your Nordstrom account once you have sufficient points. At the Influencer level, you’ll receive $10 for every 1,000 points. You can then apply notes at the check out when you’re shopping online or you can have the salesperson look up your account when you’re shopping in store.

How hard is it to get a Nordstrom credit card?

You do need to have excellent credit to qualify for the Nordstrom credit card, which may make it difficult for some people to get the card.

When it may not be a good idea?

This card is not a good idea for those who are not completely brand loyal to Nordstrom. There are other cards that offer greater rewards. So, unless you are a regular shopper with the brand and aiming for the higher tier program status, you should consider alternative cards.

In this Review

How Much You Can Earn With Nordstrom Card?

This table is a simulation of rewards that illustrates how using the Nordstrom Credit Card could benefit you. It outlines the rewards you may earn based on your typical spending habits in different categories:

Nordstrom Rewards Visa

Spend Per Category
Nordstrom Credit Card
$7,000 – U.S Supermarkets
7,000 points
$3,000 – JCPenney
6,000 points
$3,000 – Restaurants
3,000 points
$4,000 – Airline
4,000 points
$4,000 – Hotels
4,000 points
$4,000 – Gas
4,000 points
Estimated Annual Points
28,000 points
Estimated Redemption Value
1 point = 1 cent
Estimated Annual Value
$280

Pros and Cons

Just like any other credit card, the Nordstrom credit card has some advantages and disadvantages:

Pros
Cons
Insider Status
Modest Bonus
Alterations Credit
Lackluster Rewards
Trunk Club
No 0% Finance
All Day Customer Support
Limited Redemptions
Visa Benefits

This is typically earned after you spend $500 as a regular Nordstrom's customer. Insider status with the Nordy Club, the brand’s loyalty club offers a number of perks including early access to sales and personal double points days.

In addition to the free basic alterations that are available to all Nordy Club members, you can receive up to $100 in alterations credit.

As a Nordy Club Insider, you’ll have the fee waived for Nordstrom Trunk Club styling.

As a cardholder, you’ll have access to 24/7 customer support, should you have any queries or questions about your account.

Since this card is a Visa, you can also access the suite of Visa Signature benefits. This includes roadside and travel services, rental car insurance, travel accident insurance and access to Visa Concierge services.

Although a $10 Nordstrom Note for Members and Influencers. $20 Nordstrom Notefor Ambassadors and Icons. bonus is nice, it is modest compared to the welcome bonuses available with many credit cards. 

There are a number of no annual fee credit cards that offer a welcome bonus worth hundreds of dollars.

The maximum points you can earn with this card are 3 per dollar, which is fairly lackluster. There are other store co-branded credit cards that offer as much as 5% back. 

Considering you get one point per dollar just for signing up to the Nordy Club, this seems a little on the stingy side.

Unlike other store cards, there is no promotional 0% APR or other type of 0% finance with this card.

You can only redeem your rewards at Nordstrom. There is a $5 minimum redemption and if you don’t currently need anything from Nordstrom, you’ll simply have to keep hold of your points.

Who Should Consider The Nordstrom Credit Card?

Since this is a branded credit card, it is obviously best for those who are highly brand loyal to Nordstrom. With limited earning potential and no redemptions available outside of Nordstrom, you will need to be a regular visitor to the stores or the Nordstrom.com website.

You will need to purchase items from Nordstrom at least every month or two to get the best value from this card.

If you are looking for an alternative co-branded, clothing store card – here are some options:

Card
Rewards
Bonus
Annual Fee

American Eagle Credit Card review

30X – 40X 15 points Instant for cardmembers. 30 points per dollar spent at American Eagle, 20 points if you spend more than $350 annually
30% off your first order
$0

macy amex card

2X – 5X spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else
25% discount 25% discount on Macy's on the day you are approved and the following day, up to $100
$0

sears credit card

1% – 5% 5% back on Sears + 5% eligible gasoline purchases, 3% back on grocery stores and restaurants (limited to the first $10,000 of qualifying payments, then 1% thereafter), plus 2% back when used at eligible merchants such as Sears or Kmart, and 1% on all other purchases
None
$0

Kohl's Capital One Credit Card

7.5% 7.5% cash back on Kohl’s purchases
%35 off on first purchase 35% off on the first Kohl’s Card purchase you make within 14 days of opening your Kohl’s Card
$0

jcpenney credit card

5% 1 point for every dollar at JCPenney, 200 points worth $10 -> $10 per $200 spend on JCPenney = 5% back
Extra 5% – 35% off Extra 5% – 35% off on selected merchants in the first purchase on the same day the card has been opened
$0

Victoria's Secret Credit Card

1% – 5% 5% (10 points) back in rewards at Victoria Secret or PINK, 2% (4 points) on dining, travel and streaming services and 1% (2 points) on all other purchases
$25 $25 off in first purchase
$0

Banana Republic Credit Card

1X – 5X 5 points for every dollar spent at Banana Republic, Gap, Athleta and Old Navy. 1 point per dollar on all other purchases
20% off your first order 20% off your first order at Banana Republic
$0

Tips for Using the Nordstrom Card

As a store and online shopping credit card, here are the main ways to leverage it maximize your benefits:

To increase the number of points you can receive with your card, you should aim to achieve at least Ambassador status. This requires an annual spend of at least $5,000, which should be manageable for regular shoppers with the brand.

Unlike most cards which offer one to several months to make qualifying purchases, you need to make an immediate purchase to receive your Nordstrom’s welcome gift. So, make sure you buy something as soon as your application is approved.

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FAQs

There are no official income requirements for this card, but you do need to have excellent credit to qualify. While your income will be assessed, it is not the only factor for consideration when evaluating your application.

There is no pre approval option on the website, but select customers may receive a mailer offering pre approval for this card.

As a Visa card, you can receive car rental coverage when you reserve and pay for the entire rental with your card. This provides damage to and theft of insurance for eligible rental vehicles.

Compare Nordstrom Credit Card

T.J.Maxx is our winner as it offers better cashback rates on its stores than Nordstrom, but Nordstrom wins when it comes to shopping benefits.

T.J.Maxx Rewards Platinum Mastercard vs Nordstrom Credit Card

The Macy's Credit Card is a clear winner with higher points rewards ratio and higher cashback value for the same spend than Nordstrom Card.

Nordstrom vs. Macy’s Credit Card: Which Store Card Gives You The Most Value?

Since JCPenney Credit Card offers rewards only on its brand store, the Nordstrom Credit Card takes the lead with higher annual cashback value.

Nordstrom vs. JCPenney Credit Card: Which Gives You The Most Value?

Kohl's card wins on retail brand cashback, offering higher value than Nordstrom. But Nordstrom also offers points on other categories.

Nordstrom Credit Card vs Kohl’s Charge Card by Capital One: Which Shopping Card Is Best?

Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

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Amex Delta SkyMiles Platinum card

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Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
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The product offers that appear on this site are from companies from which this website receives compensation.
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1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

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