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The Nordstrom credit card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
If you shop at Nordstrom often, you could earn rewards there with a Nordstrom credit card. The department store chain offers the Nordstrom retail credit card, which can only be used at Nordstrom, and the Nordstrom Visa® credit card that you can use anywhere Visa is accepted. Learn whether it's worth applying for in our Nordstrom credit card review.
Nordstrom credit card
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
31.15%, variable
Rewards 2x points on Nordstroms purchases that goes up to 3x points with ambassador status, 1x points on other purchases.
1x - 3x points
Annual Fee
$0
Welcome Offer Upon approval, unlock a future-use $40 Bonus Note with a same-day purchase.
$40 bonus note
Not enough benefits to measure up to other rewards credit cards. Even if you shop at Nordstrom often, you could be better off with another card and a Nordy Club membership.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
---|---|---|---|---|---|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
||
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
This credit card is a good fit for: Shoppers who want to earn rewards or get special perks with Nordstrom.
You won't get a ton of useful features with a Nordstrom credit card. But it at least has some benefits that come in handy when shopping at Nordstrom, and it's easier to get than many rewards credit cards.
With both versions of the Nordstrom credit card, the top perk is the rewards opportunities. They each offer a $40 bonus note for future use upon approval and with a same-day purchase.
That's a far cry from the biggest credit card sign-up bonuses. Many cards offer $200 or more. But Nordstrom at least starts you off with some quick cash. Nordstrom cash, that is.
These cards also earn 2 points per $1 at Nordstrom to start, which goes up to 3 points per $1 if you reach Ambassador or Icon status. The Nordstrom Visa® credit card earns 1 point per $1 on other purchases.
Once you've reached a certain points threshold, your points are automatically redeemed for a Nordstrom Note. It starts at 1,000 points for a $10 Nordstrom Note. If you have the Nordstrom mobile iOS app, you can redeem points in smaller amounts: 500 points for a $5 Nordstrom Note.
If you've had trouble getting approved for a credit card, you could have better luck with a Nordstrom credit card. There are three versions of the card:
This means you have three opportunities to be approved for a Nordstrom credit card. First, you're considered for the Nordstrom Visa Signature® credit card. If you're not approved for that, you're considered for the Nordstrom Visa Platinum® credit card, and then the Nordstrom retail credit card.
The Nordy Club is Nordstrom's rewards program. It has four status tiers, and as you move up, you get more benefits. Here are the tiers and the requirements for each one:
A Nordstrom credit card bumps you up to Influencer status, without needing to spend any money to get there. It's also the only way to get to Icon status, although that requires a lot of spending at Nordstrom.
So, what kind of benefits does being an Influencer get you? Here's what it offers that you don't get as a regular Member:
*Cardmember exclusive
If you get approved for a Nordstrom Visa® credit card, you can use it anywhere Visa is accepted. That includes internationally, and there's no foreign transaction fee. Many credit cards tack on an extra 3%, an unpleasant surprise when you get back home and see your bill.
Now, if you have a good credit score, and you travel often, I'd recommend a travel credit card. That type of card will be much more useful than a Nordstrom credit card, which doesn't have any travel benefits. This Nordstrom credit card is more for infrequent travelers and those who don't have the credit to qualify for travel cards yet.
RELATED: The Ascent's Best Travel Credit Cards Hub
The Nordstrom credit card has some benefits for shopping at Nordstrom. The problem is that it doesn't have much to offer anywhere else, which is a common issue among store credit cards.
This is technically a rewards card, but it's not all that rewarding. A $40 bonus note and earning 2 points per $1 at Nordstrom might seem decent, if you see it offered in stores or online. It's actually a pretty poor rate compared to what you could earn with good cash back cards or travel cards.
For a straightforward comparison, there are cash back cards that earn 2% back on purchases everywhere. That's a lot better than 2 points per $1 only at Nordstrom. And a $40 bonus note doesn't even come close to the kinds of sign-up bonuses other cards offer.
Here's the other big problem: You could earn 1 point per $1 at Nordstrom just by signing up for The Nordy Club. You don't need a Nordstrom credit card. As a member, you could use another rewards card to pay for your purchase. For example, if you used a 2% cash back card, you'd earn:
The only reason to go with a Nordstrom credit card is if your credit score isn't high enough to qualify for something better. If you have good credit (a score of 670 or higher), you should definitely apply for a different rewards card.
When you get a rewards card, it's important to pick one with rewards you won't have any trouble using. That's one of the reasons cash back cards are so popular -- everyone can use cash back.
It's also one of the reasons store credit cards, this Nordstrom credit card included, usually aren't recommended. The only way to redeem your points is Nordstrom Notes. If you have $50 worth of rewards and nothing to buy at Nordstrom, you're stuck. You'll need to either wait or buy something you don't need. Either way, your credit card rewards aren't doing you much good.
To make it even more difficult, there's the redemption minimum. You'll need to have at least 500 points to redeem for a $5 Nordstrom Note, and that's if you use the Nordstrom mobile iOS app. Otherwise, the minimum is even higher at 1,000 points.
That's not a huge issue, but it can be annoying. And considering how many rewards cards now have no redemption minimum, it'd be nice for Nordstrom to do the same.
Several store cards have special financing offers available, but not the Nordstrom credit card. To be fair, these kinds of financing offers can be risky. They can motivate you to spend more than you should. Many of them are deferred interest offers, where if you don't pay off your full balance within the promotional period, you're charged interest going back to the purchase date.
Still, there are other store cards that at least give you a financing option if you need it. There are also 0% intro APR credit cards, which don't charge any interest during an intro period.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
It's recommended to have a FICO® Score of 640 or higher to apply for a Nordstrom credit card. You will likely need at least fair credit to get approved. You may be able to successfully apply with a lower credit score, especially if you're only aiming for the Nordstrom retail credit card, but it's less likely.
You want early access to Nordstrom's anniversary sale or you shop at Nordstrom often and are looking for a card you can get with fair credit.
For most consumers, and even Nordstrom enthusiasts, there are better credit cards out there. Besides early access to the anniversary sale, you don't get anything special with a Nordstrom credit card. Even the rewards aren't much of a draw. You could get just as much back by simply being a member of The Nordy Club and using a rewards card at Nordstrom.
READ MORE: Expert Credit Card Reviews
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
Credit limits for Nordstrom credit cards vary quite a bit and can range from $300 to well over $10,000. When your application is approved, the card issuer sets a credit limit based on your income, credit history, and other financial information.
You can use the Nordstrom Visa® credit card anywhere Visa is accepted. But the Nordstrom retail credit card can only be used at Nordstrom and its other brands (Nordstrom Rack, Nordstrom Trunk Club, and HauteLook).
Yes, a Nordstrom credit card can build credit. TD Bank, the card issuer, reports activity to the three consumer credit bureaus. When you consistently make on-time payments, this positive activity can improve your credit score.
Our Credit Cards Experts
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
The Motley Fool owns shares of and recommends Visa.