A Review Of The Nordstrom Credit Card

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Nordstrom credit card

The Nordstrom credit card is an excellent option for any frequent Nordstrom shoppers, offering discounts and exclusive member benefits alongside excellent customer support staff. If you’re looking for a store card, the Nordstrom has something to offer that you won’t want to pass up.

Nordstrom Actually Offers Three Cards

Before we dive into the Nordstrom store card, it’s important to note that the retailer also offers two different Visa Cards, The Signature, and The Platinum. These cards can be used anywhere Visa cards are accepted.

In addition to all of the store card benefits, we’re about to discuss, the Visa cards also offer 2 points per dollar spent on dining and one point per dollar on everything else. You can earn points from basically anything, while still keeping those great store discounts and benefits.

The Rundown

Nordstrom is one of the top fashion retailers, with choices for everyone in the family and annual sales that are nothing to scoff at. With top stylists on the payroll, Nordstrom offers a unique shopping experience with expert advice to help you look your best.

The Basics

The Nordstrom card has no annual fee, so you don’t have to pay to use it like with many other cards. This is one of the perks that the customers seem to enjoy, as it means no fees at the end of the year. You only pay on what you owe.

As far as APR goes, the Nordstrom card falls somewhere in the average for a store card, with an APR of 25.15%. With store cards traditionally having higher interest rates than traditional credit cards, this is the APR you can expect from a store card.

If you don’t make your minimum payment within 60 days of the due date, the penalty APR will go into effect, bumping the APR up to 32.15%. It’s important to keep track of your due dates, as interest payments can add up quickly.

If you’re late for a payment, the late fee can be up to $38, and a return payment will carry a fee of around $25.

The Visa cards have a slightly different interest rate, ranging from 13% to 25.25% for Nordstrom purchases, and 17% to 25.15% for anything non-Nordstrom. Remember, you get rewards points with these cards on dining and other purchases as well.

Benefits of The Store Card

Nordstrom has quite a few benefits in comparison to other store cards, ranging from discounts to invites to VIP events and shows.

With your Nordstrom card, you’ll have early access to Nordstrom’s biggest sale. The annual anniversary sale boasts some of the hottest trends in fashion, and with your card, you get to shop it first at “super sale prices” according to the store’s website.

You’ll also get first access and better sale prices for the store’s “clear the rack” sale. With early access and discounts on clearance items, this card has a lot to offer frequent shoppers.

Wait, there’s more! The Nordstrom card also makes you a member of the Nordy Club. You’ll be able to acquire reward points and even get exclusive access to Nordstrom events once you reach Ambassador+ status.

As a final reward, the store offers free basic alterations, curbside pickup, and buy online try in store. Not only do you get deep discounts, early access, and invites to events, but Nordstrom staff will even alter your clothes and bring your order right out to your car!

One of the best benefits, though reserved for Ambassador+ status members, is the in-home stylist visit. Once per year, a trained stylist will visit your home and edit your wardrobe with you, perform basic alterations, and give professional advice.

Nowhere else will you find such a service for cardholders, making the Nordstrom card pretty unique in its industry. This goes to show that Nordstrom is dedicated to letting its customers know they are valued by the company.

Overall, the Nordstrom card boasts a significantly higher amount of benefits than your traditional store card. It’s been featured in several articles on the Get Out Of Debt site for its flexibility and extensive benefits package.

How To Get One

Nordstrom makes applying for one of their cards fast and simple. You can go here to find the application. Usually, you’ll get a response within a few business days, if not right away, and as soon as you’re approved you can start using the card.

You’ll be subject to credit approval, just as with any credit inquiry, and this will also help determine the interest rate that you are approved for.

With an online management portal, you’ll be able to track your purchases, payments, and points via your mobile device or computer. The dedicated support staff is available 24/7 for any questions you might have, so you can rest assured that you’re in good hands and your information is well cared for.


The Nordstrom card is overall, a great store card. With extensive savings, access to Nordstrom events and early access to sales, backed by professional stylists, it’s easy to see why the card continues to achieve such high ratings among its customers.

If you’re looking for a simple card with good benefits, then look no further. Nordstrom retailers have maintained a standard of excellence since the store’s formation, and continue to provide top products and customer service.

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