When deciding on a credit card that enhances your rewards for clothing purchases, the Nordstrom and Macy's Credit Card emerge as noteworthy options. While both cards seek to attract shoppers with appealing perks, a closer examination reveals differences that could influence your choice.
General Comparison
The Nordstrom's credit card, issued by TD Bank, is a solid choice if you prioritize high-end fashion and exceptional customer service. With this card, you gain early access to sales events, allowing you to snag the latest trends before the general public. Additionally, Nordstrom's commitment to outstanding customer experiences means you'll enjoy perks like free alterations and personal stylists.
On the other hand, the Macy's Credit Card, issued by Citibank, introduces a nuanced rewards system with a tiered rewards structure. Shoppers earn a higher points rewards ratio in various categories, including dining, groceries, and gas.
In addition, there are additional perks such a discounts, surprise savings, and even free shipping events. For frequent Macy's shoppers, this intricate rewards program might result in more substantial long-term advantages.
Macy's Credit Card | Nordstrom Credit Card | |
Annual Fee | $0 | $0 |
Rewards | 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 | 2X points per dollar spent at Nordstrom and its brands, including Nordstrom Rack, and 1X points on all other purchases |
Welcome bonus | 25% discount on Macy's on the day you are approved and the following day, up to $100 | $10 Nordstrom Note for Members and Influencers. $20 Nordstrom Notefor Ambassadors and Icons. |
Foreign Transaction Fee | 3% | $0 |
Purchase APR | 31.99% variable | 18.90% – 25.90% |
Read Review | Read Review |
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Cashback Analysis: Which Card Gives More?
Based on our analysis, the Macy's credit card is a clear winner as it offers a higher points rewards ratio on most categories and will drive you more cashback:
Spend Per Category | Macy's Credit Card | Nordstrom Credit Card |
$15,000 – U.S Supermarkets | 30,000 points | 15,000 points |
$5,000 – Macy's/Nordstorm | 25,000 points | 15,000 points |
$5,000 – Restaurants | 15,000 points | 5,000 points |
$4,000 – Travel
| 4,000 points | 4,000 points |
$4,000 – Gas | 8,000 points | 4,000 points |
Total Points / Cashback | 82,000 points | 43,000 points |
Estimated Redemption Value | 1 point ~ 1 cent | 1 point ~ 1 cent |
Estimated Annual Value | $820 | $430 |
Additional Shopping Benefits: Comparison
When you apply and are approved for a Nordstrom credit card, you will be automatically enrolled in The Nordy Club and receive Influencer status. As we can see, both cards offer extra perks for shoppers:
Macy's Credit Card
Star Passes: Exclusive savings reserved for cardholders, providing special discounts on purchases.
Star Money Bonus Days: During these exclusive periods, cardholders can accelerate their rewards accumulation, making their shopping experiences more rewarding.
Birthday Surprise: Cardholders receive a delightful birthday surprise as a token of appreciation.
Member Exclusives: Enjoy bonus points when shopping for your favorite brands and other exclusive perks available only to cardholders.
Free Shipping at Macy’s with your card:
- Silver Tier: Free shipping on purchases of $25 or more.
- Gold & Platinum Tiers: Enjoy free shipping with no minimum purchase requirement, enhancing the convenience of online shopping for cardholders.
Nordstrom Credit Card
- 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.
When You Might Prefer The Nordstrom Credit Card?
You might prefer the Nordstrom Credit Card If:
- High-End Fashion Enthusiasts: If you love indulging in luxury brands and desire early access to their latest collections, Nordstrom's credit card offers you the exclusive privilege of being among the first to shop these high-end styles.
- Frequent Alterations Needs: For those who appreciate tailored fits and alterations, Nordstrom's credit card, with its up to $300 in Nordstrom Notes for alterations, provides added value, making it a preferred choice for those who prioritize personalized adjustments to their purchases.
- Quality Over Quantity Preferrer: Nordstrom focuses on premium materials and craftsmanship, offering a more curated selection of well-made clothing and accessories compared to Macy's broader range.
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When You Might Prefer The Macy's Credit Card?
You might prefer the Macy's Credit Card If:
Better Points Rewards Ratio: Macy's credit card offer higher points per dollar in almost every category. Based on our analysis, the total annual cashback for cardholders is much higher compared to Nordstrom.
More Diverse Product Selection: Macy's offers a wider range of products compared to Nordstrom, including home goods, furniture, and electronics, catering to various needs beyond just clothing and accessories.
Private Label Fan: Macy's has a strong presence with its own private label brands like INC International Concepts and Charter Club, offering quality products at lower prices compared to Nordstrom's designer labels.
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:
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 Macy's Credit Card
The Target RedCard is our winner especially if you focus on groceries and dining, with much better cashback rates than Macy's Credit Card.
Target Red Card vs. Macy's Credit Card: What Store Card Offers The Highest Rewards?
The Macy's Credit Card is a clear winner with higher points rewards ratio and overall cashback value for the same spend than JCPenney Card.
Macy’s vs. JCPenney Credit Card: Which Gives You The Most Value?
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?
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
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?