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Nordstrom card review

This no-annual-fee card offers rewards on your Nordstrom purchases.

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.

Kliment Dukovski

Last Updated Jan 7, 2021

3x points at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club, 2x points on dining, entertainment and travel, and 1x on all other purchases

Rewards

Annual fee

11.9% to 23.9% variable

Purchase APR

670

Minimum Credit Score

Annual fee	$0
Welcome offer	$40 after making a purchase at Nordstrom, Nordstrom.com or Nordstrom Rack on the day your card is approved
Rewards	3x points at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club, 2x points on dining, entertainment and travel, and 1x on all other purchases
Purchase APR	11.9% to 23.9% variable
Balance transfer APR	N/A
Minimum Credit Score	670
Issuer	Visa,Store card

Cash advance rate	27.9% variable
Cash advance fee	$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee	None
Interest free period	Up to 25 days
Late payment fee	Up to $38
Returned payment fee	Up to $25
Security deposit	N/A
Minimum Interest	$0.50

Review by

Kliment Dukovski

kliment.dukovski@findercrew.com

Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. 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.

As a cardmember, you also get reimbursement for all alterations made at Nordstrom stores, you get access to exclusive benefits including discounts on new arrivals and access to product launches before anyone else. Plus, the more you spend, the higher membership tier levels you’ll climb. Higher tier levels come with additional perks such as priority booking to Nordstrom fashion events and exclusive cardmember events.

Considering the card has no annual fee, it can be a useful addition to your wallet if you frequently shop at any of the Nordstrom’s stores.

How to apply for the Nordstrom card

Visit the Nordstrom card website and click Apply now.
Select the Become a card member option, click Apply now.
Fill out the application form with all the required details.
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.

Nordstrom 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.

Nordstrom card drawbacks

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.

Compare store credit cards

If this card isn’t right for you, compare other store credit cards to get an overview of your options. Find a card that corresponds to a store you shop at most, has rewards that will benefit you and other perks you’ll take advantage of.

Name	Rewards	Purchase APR	Annual fee
Sam's Club® Mastercard®	Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases	14.9% to 22.9% variable	$0	See offer View details	Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.	Compare	loading Fetching your data...
Merit Platinum	N/A	N/A	$299.40	Apply now View details	Apply with no credit or bad credit, for use on the Horizon Outlet website.	Compare	loading Fetching your data...
Net First Platinum	N/A	N/A	Up to $299.40	Apply now View details	Build your credit history with an unsecured line of credit.	Compare	loading Fetching your data...

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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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Ask a question Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.