Credit Cards » Compare Credit Cards » Nordstrom Credit Card vs Kohl’s Charge Card by Capital One: 2024 Comparison
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Nordstrom Credit Card vs Kohl’s Charge Card by Capital One: 2024 Comparison

Kohl's card wins on retail brand cashback, offering higher value than Nordstrom. But Nordstrom also offers points on other categories.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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 and Kohl's Charge Card by Capital One cater to distinct retail environments, offering unique perks and features. Let's compare them side by side.

Nordstrom vs. Kohl’s Card: General Comparison

Opting for the Nordstrom credit card from TD Bank is a decent choice if you have a penchant for high-end fashion and prioritize exceptional customer service.

This card provides the advantage of early access to sales, allowing you to snag the latest styles before they become widely available. Additionally, Nordstrom goes the extra mile in enhancing your shopping experience by offering complimentary alterations and access to personal stylists.

On a different note, Capital One has joined forces with Kohl's to introduce the Kohl's Card, a co-branded credit card seamlessly integrated with the Kohl's Rewards program. Kohl's Cardholders benefit from an impressive 7.5% return in Kohl's Cash on their purchases, coupled with exclusive perks such as access to savings opportunities, including introductory discounts and periodic distribution of Kohl's coupons.

Kohl's Capital One Credit Card

Nordstrom Rewards Visa

Kohl’s Charge Card
Nordstrom Credit Card
Annual Fee
$0
$0
Rewards
7.5% cash back on Kohl’s purchases
2X points per dollar spent at Nordstrom and its brands, including Nordstrom Rack, and 1X points on all other purchases
Welcome bonus
35% off on the first Kohl’s Card purchase you make within 14 days of opening your Kohl’s Card
$10 Nordstrom Note for Members and Influencers. $20 Nordstrom Notefor Ambassadors and Icons.
Foreign Transaction Fee
N/A
$0
Purchase APR
31.24% variable
18.90% – 25.90%
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Nordstrom vs. Kohl: Cashback Rewards Analysis

Based on our analysis, the Nordstrom credit card emerges as the superior choice when utilized across various categories beyond just Kohl's/Nordstrom. This is attributed to its points rewards system, which extends to additional categories such as travel, gas, and any other type of purchase.

However, if your primary focus is solely on a specific store, then Kohl's credit card might be more lucrative. This is due to its higher cashback rate specifically tailored for purchases made within the Kohl's store compared to the Nordstrom credit card.

Kohl's Capital One Credit Card

Nordstrom Rewards Visa

Spend Per Category
Kohl’s Card
Nordstrom Credit Card
$15,000 – U.S Supermarkets
/
15,000 points
$5,000 – JCPenney/Nordstorm
$375
15,000 points
$5,000 – Restaurants
/
5,000 points
$4,000 – Travel
/
4,000 points
$4,000 – Gas
/
4,000 points
Total Points / Cashback
$375
43,000 points
Estimated Redemption Value
/
1 point ~ 1 cent
Estimated Annual Value
$375
$430

Additional Shopping Benefits: Comparison

Upon a successful application and approval of the Nordstrom credit card, automatic enrollment in The Nordy Club and the attainment of Influencer status are conferred. It is evident that both cards come with additional benefits for shoppers:

Kohl’s Credit Card

Kohl's Capital One Credit Card

  • Monthly Exclusive Savings Offers: Access special discounts and offers available exclusively to Kohl's Credit Card holders on a monthly basis.

  • Annual Anniversary Offer: Celebrate your loyalty with a special anniversary offer provided each year as a token of appreciation.

  • Exclusive Cardholder Discounts: Enjoy discounts that are specifically tailored for Kohl's Credit Card holders, providing additional savings during your shopping experiences.

  • Combine Discounts with Kohl's Cash and Rewards: Maximize your savings by combining Kohl's Card discounts with earned Kohl's Cash and Rewards, enhancing the overall value of your purchases.

  • Pre-Qualification Check Without a Hard Credit Pull: Determine your eligibility for the Kohl's Credit Card without impacting your credit score through a pre-qualification check.

  • Kohl's Card Sales Events: Gain access to exclusive sales events specifically for Kohl's Credit Card holders, offering additional opportunities to save on a variety of products.

Nordstrom Credit Card

Nordstrom Rewards Visa

  • Free Two-Day Shipping: Nordstrom cardholders enjoy free two-day shipping in selected areas, ensuring quick and convenient delivery of their purchases.
  • First To Shop: Being among the first to shop select brands gives cardholders an exclusive opportunity to access the latest trends before the general public.
  • Early Access To Sales: Early access to sales allows Nordstrom credit card users to capitalize on discounts and secure sought-after items ahead of regular customers.
  • Alterations Nordstrom Notes: The card offers up to $300 in Nordstrom Notes, which can be utilized for alterations on items purchased with the Nordstrom credit card.
  • Personal Double Points Days: Nordstrom credit cardholders can select up to four personal double points days, enabling them to earn double points on qualifying purchases on a day of their choice.
  • Exclusive Events: Exclusive events are crafted for Nordy Club members, providing unique and enjoyable experiences tailored for those holding a Nordstrom credit card.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare The Alternatives

If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:

Citi-costco-anywhere-visa-credit-card review

Apple card

Sam's Club® Mastercard®

Costco Anywhere Visa® Card by Citi
Apple Credit Card
Sam's Club® Mastercard®
Annual Fee
$0 ($60 Costco membership fee required)
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
1% – 3% 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
None None
N/A
None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
Foreign Transaction Fee
$0
$0
N/A
Purchase APR
20.49% (Variable)
15.99% – 26.99% Variable
20.40% or 28.40% Variable

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?

Compare Kohl’s Charge Card by Capital One

The Kohl's card cashback rate is higher than JCPenney, and both cards offer extra perks such as gifts, exclusive offers, and special coupons.

Kohl’s Charge Card by Capital One vs. JCPenney Credit Card: How They Compare?

Unlike Kohl's card, the Macy's Credit Card offers points rewards on all categories, making it more attractive for the average consumer.

Macy's Credit Card vs Kohl's Charge Card by Capital One: Which One Wins?

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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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.

Credit Card Reviews Methodology

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.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.