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Nordstrom Credit Card

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Nordstrom Credit Card If you are interested in a Nordstrom Credit Card, you might be surprised to learn that you have two options, the Nordstrom Department Store Card or the Nordstrom Visa Credit Card. You can compare these and other online credit cards here and now!

Interestingly, the Nordstrom Department Store Card isn’t like other department store credit cards. The interest rates vary based on your credit score and they offer an excellent rewards program. In fact, with the exception of where you can use your card, the Nordstrom Department Store Card offers the same terms and benefits as the Nordstrom Visa Credit Card.

The reason that Nordstrom can offer their department store card at such good terms is because they offer it themselves. What this means is that Nordstrom is also a bank, so they can literally write their own ticket when it comes to their cards.

Nordstrom Credit Card Overview

You have three credit cards to choose from: the Nordstrom Department Store Card, Nordstrom Visa with Fashion Rewards and Nordstrom Visa with Fashion and Travel Rewards.

When you shop with a Nordstrom rewards credit card at Nordstrom, you will receive 2 fashion reward points for every $1 you spend. You will receive 1 fashion point for every $1 you spend anywhere else. If you choose the Nordstrom travel credit card rewards program, you will only receive 1 point for every $1 you spend anywhere (including Nordstrom) but you can redeem your points for Nordstrom gift certificates or for travel.

When you accumulate 2000 points, you will receive a $20 gift card to Nordstrom. You can earn points faster at anniversary sales and at Nordstrom’s half yearly sale where you will earn double the rewards points when you shop at Nordstrom.

The interest rate for any Nordstrom credit card will be based on your credit score. Rates range from 10.9% to 22.9% APR for Nordstrom purchases and 14.9% to 22.9% for non-Nordstrom purchases.

Nordstrom Credit Card Benefits

  • No annual fee
  • Choose your rewards program
  • Low APR for good credit
  • No limit on reward point earned or redemption

Nordstrom Credit Card Bottom Line

The Nordstrom retail credit cards are great options for those of you who love Nordstrom! The rewards program is generous and unlike many department store related programs, there are no limits on how much you can redeem.

However, if Nordstrom isn’t your store of choice, try our credit card chaser tool to find better credit card offers for you needs!

One great card is the Chase Freedom credit card, where you can earn cash back instantly! Click here to learn more now!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

6 Cardholder Reviews for the “Nordstrom Credit Card”

  1. Nadine Davis says:
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    I canceled my credit card because I could not afford the inrease in the monthly payment. You were offering a deal for those who do this until they get the balance paid off. What will my interest rate be now?

  2. Maggie says:
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    Nordstrom’s is ridiculous. I went there this week and was going to try on a fall suit that I found, and a sales lady accosted me and asked, “Do you have a Nordstroms Card?” I said, “No, thank you, but can you point me to a dressing room?” She said, “You can’t try those on or buy them without a Nordstrom’s Card, do you want an application?”
    Pardon me? I can’t TRY THEM ON OR BUY THEM WITHOUT A NORDSTROM’S CARD? I buy for a family of seven, we’ve used one credit card our whole lives, hence why we are not in debt. This is apparently for their half yearly sale where they try to force credit on you. Their half yearly sale is just a bunch of crap they bring in anyway, not the good stuff. Forcing credit on people is what has caused this country’s problem. Nordstrom’s has the worst customer service in the world except for returns which they are good at.

    • C says:
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      I work for Nordstrom and what you’re explaining is the anniversary pre sale. Each year Nordstrom offers it’s cardholders a chance to shop the anniversary sale early and purchase with their Nordstrom card. Over the years, we started allowing everyone to shop the presale and many card holders complained-stating that it was no longer exclusive. We have brought that exclusivity back and have made it only an option if you open or carry a Nordstrom credit or debit card. It sounds like the associate did not handle that situation properly and should have let you try on the merchandise but you still would still have had to wait until the sale to purchase.

  3. Nicole olsen says:
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    I took the higher payment increase and while paying them more money every month they hike up my rate to 22% while all my other cards are well below 10% ridiculous I will be paying it off and never using it again. Canceling for sure.

  4. kate says:
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    BEWARE! I’ve had the Nordstroms cc for over 20 years and always pay my bill in full each month, never late ever. I was recently going out of country for a month. The day before my trip I found a coat I liked, they did not have it in my size in-store. I paid for it and had it shipped to my local store in Scottsdale to be held for me. When I returned from my trip, I had received my bill, the only charge on it was the coat. The payment was not due for another 5 days but I took the bill with me with the intent to pay it during my outing to the store. I went into the store, asked to see the coat. The coat did not fit well so I returned it. I then took my return slip and bill, for which payment was not due for another 5 days, and went to CS department. I asked if I owed anything since coat was returned and there were no other charges on account. I was told no. That was Oct. 10. Later that afternoon, I purchased a wallet form Nordstroms using my credit card. On Oct 20, I received a dunning call stating my account was past due for the amount of the wallet I purchased on Oct. 10. I explained that I could not be past due as prior month bill was Zero due t to Coat Credit. They state they have a new process and Credits don’t count as payment. I was stunned, what do they want me to do pay $295 dollars for a $0 balance! When I pointed this out. I was told that the $63 wallet I purchased 10 days earlier was late. I mentioned that I had not even been billed for that as yet. The rep told me it was my responsibility to know what I charged, even thought I had not been billed the amount. I was so annoyed I returned the wallet and will never shop with them again. I subsequently received two more dunning calls and a late notice letter. It seems it took 48 hours for their in-store credit to post. I believe this is a scam to charge late fees or increase APR! Whatever it is, my husband and I will never ever use their card again and will likely never purchase there again.

  5. CP says:
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    All these unfavorable reviews are 100% correct, as a former employee of Nordstrom, I was strongly encouraged by management in customer service dept to ask every single customer who made returns that didn’t have a Nordstrom store card, or Nordstrom Visa credit or debit and try to sign them up. This is no different than what Kohl’s or Macys does. No surprise here.
    While I completely understand Nordstrom owns the banking relationship and it is very expensive for Nordstrom to pay third party merchant credit card fees. I think Nordstrom should have a non credit card-rewards card for Level I customers up to $2k per year and make Level 2-$2-$5k with more discounts and perks. Then those Level I customers will eventually in time want to upgrade to a credit, store or debit cards and can offer presale events and offer more Nordstrom Note incentives.
    Unfortunately, since Nordstrom is the bank, they can’t partner with American Express to offer special Nordstrom programs and discounts.

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