Rewards Plan
Welcome Bonus
Credit Rating
0% Intro
Annual Fee
APR
- Insider Status
- Alterations Credit
- Lackluster Rewards
- No 0% Finance
Rewards Plan
Welcome Bonus
0% Intro
PROS
- Insider Status
- Alterations Credit
CONS
- Lackluster Rewards
- No 0% Finance
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
Estimating Your Rewards: A Practical Simulation
Take a look at the table provided below to discover the potential rewards you could earn by utilizing the Nordstrom credit card. This simulation calculates the benefits you might receive by considering your everyday expenses across various categories.
Please note that the table serves as an estimate, and your actual rewards may vary depending on your individual spending patterns and other influencing factors. Nevertheless, it offers valuable insights into the potential advantages offered by this card.
| |
|---|---|
Spend Per Category | Nordstrom Credit Card
|
$10,000 – U.S Supermarkets | 10,000 miles |
$3,000 – Restaurants
| 9,000 miles |
$5,000 – Airline | 25,000 miles |
$4,000 – Hotels | 8,000 miles |
$4,000 – Gas | 4,000 miles |
Estimated Annual Avios | 56,000 Miles |
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 |
- Insider Status
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.
- Alterations Credit
In addition to the free basic alterations that are available to all Nordy Club members, you can receive up to $100 in alterations credit.
- Trunk Club
As a Nordy Club Insider, you’ll have the fee waived for Nordstrom Trunk Club styling.
- All Day Customer Support
As a cardholder, you’ll have access to 24/7 customer support, should you have any queries or questions about your account.
- Visa Benefits
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.
- Modest Bonus
Although a $40 bonus note if you make any purchase at Nordstrom or Nordstrom.com on the day your card is approved. 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.
- Lackluster Rewards
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.
- No 0% Finance
Unlike other store cards, there is no promotional 0% APR or other type of 0% finance with this card.
- Limited Redemptions
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 | |
|---|---|---|---|---|
| 15X
15 points per dollar spent at American Eagle | 30% off your first order | $0 | |
| 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
| 20% discount
20% discount on Macy's on the day you are approved and the following day, up to $100
| $0 | |
| 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 | |
| 7.5%
7.5% cash back on Kohl’s purchases | %35 off on first purchase
7.5% cash back on Kohl’s purchases | $0 | |
| 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 | |
| 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 | |
| 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:
-
Aim for Ambassador or Icon Status
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.
-
Don’t Forget to Make an Immediate Purchase
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.
FAQs
What are card income requirements?
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.
Can I get pre-approved?
There is no pre approval option on the website, but select customers may receive a mailer offering pre approval for this card.
Does the card provide car rental insurance?
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.
