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Nordstrom card review

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Get accelerated points at Nordstrom stores.

  • Get this card if you often shop at Nordstrom, HauteLook and Trunk Club.
  • Pick something else if you prefer other retailers.
  • Apply with a good credit score of 670 or higher.

$40

Welcome offer

Up to 3x

Points

$0

Annual fee

11.9% to 23.9%

Purchase APR (variable)

Details

Product NameNordstrom card
Card typeVisa,Store card
Annual fee$0
Purchase APR11.9% to 23.9% variable
Balance transfer APRN/A
Cash advance rate27.9% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $38
Returned payment feeUp to $25

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Nordstrom card comes with a $0 annual fee, 3x points on purchases made online or at the store at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club, 2x points on dining, entertainment and travel, and 1x on all other purchases. You get a $40 bonus when you make a purchase at Nordstrom, Nordstrom.com or Nordstrom Rack on the day your card is approved.

Card benefits

  • Signup bonus.
    You’ll earn a $40 bonus when you make your first purchase on the same day you open your account. It’s not the largest signup bonus out there, but rather simple to achieve.
  • Rewards.
    Earn 3x points on Nordstrom, Nordstrom Rack, HauteLook and Trunk Club purchases made in-store or online. You’ll also earn 2x points on dining, entertainment and travel and 1x points on all other purchases.
  • Access to “The Nordy Club”.
    The Nordy Club is Nordstrom’s membership program. Cardmembers get automatic access, which entails a suite of benefits for Nordstrom shoppers. A few of these perks include early access to sales events, beauty and style workshops, reimbursement for alterations, curbside pickup and access to an in-home stylist.
  • No annual fee.
    You won’t pay a fee to use this credit card.

What to watch out for

  • Closed-loop card.
    While you can earn Nordstrom points on more than just Nordstrom spending, you’re limited to Nordstrom brands when it comes time to redeem those points.
  • No intro APR.
    This card doesn’t come with an introductory APR for purchases or balance transfers.
  • High fees.
    Make a late payment and you could be on the hook for up to $38.

How to apply for the Nordstrom card

  1. Visit the Nordstrom card website and click Apply now.
  2. Select the Become a card member option, click Apply now.
  3. Fill out the application form with all the required details.
  4. Review your application and submit.

What credit score do I need?

Increase your chances of approval with a good credit score of 670 or higher.

There’s also a retail card version. The difference is you can only use it at the store and you don’t earn 2x points on dining, entertainment and travel purchases and 1x points on everything else.

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Bottom line

Nordstrom regulars will enjoy the benefits this card offers. Aside from earning points on purchases made at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club, you get cool benefits and discounts at the stores.

But if you think another card would suit you better, compare other store credit cards until you find the right one for you.

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