How Nordstrom Credit Cards Work: Benefits and Rewards

How the Nordstrom credit card works

Like most large retail stores, Nordstrom offers store-branded credit cards whose benefits exceed those offered in its rewards program. The most basic option is the Nordstrom retail credit card, which can only be used in one of the Nordstrom brand locations, including Nordstrom Rack, HauteLook, and Nordstrom Trunk Club.

Key points

  • Nordstrom provides shoppers with three brand options.
  • The first is a store card that can only be used in stores. The second type is a debit card, which can only be used in stores.
  • Retailers do provide universal credit cards, which can be used wherever Visa cards are accepted.
  • When shopping at Nordstrom and related stores, cardholders can earn 3 points for every $1​​ spent, of which 2,000 points equal $20.

Now, Nordstrom also offers another credit card option-Universal Card. This card has the same benefits as the basic retail card, but it can also be used wherever Visa cards are accepted. For shoppers who don’t need a credit card at all, Nordstrom offers a debit card option that still provides benefits, but debits the customer’s personal checking account directly. Nordstrom credit cards are issued by The Toronto-Dominion Bank, and debit cards are issued by Nordstrom Card Services, Inc.

Store cards, also known as private label cards, are different from general-purpose cards with the Visa or MasterCard logo that can be used at any merchant.

Rewards and benefits

Nordstrom credit cards (universal and store cards) both offer rewards. First, they provide a cash back of $40 after the first purchase, and earn 3 points for every $1 spent in Nordstrom, Nordstrom Rack, HauteLook, and Nordstrom Trunk Club online and stores. Now, with a universal card, there are additional benefits, including one point for every $1 spent in all places that accept Visa (2,000 points can be exchanged for $20 in future purchases).

Nordstrom has a rewards program called The Nordy Club, which is independent of its credit and debit card programs. Joining is free, and anyone can register online using their name, phone number, and email address.

Nordy Club members earn 1 point for every $1 spent online or in stores, and their points allow them to obtain a special status that unlocks new benefits. They can also participate in beauty and fashion workshops, roadside pick-ups, and priority purchases of selected brands. Nordstrom also provides members with bonus points activities that occur during special periods of the year.

Credit card holders can get three times the reward points when using a credit card (3 points for every US$1 spent), while debit card holders can get 2 points for every US$1 spent.

Where can I get a Nordstrom credit card?

Interested applicants can apply in stores, mail applications and retailer websites. The registration card is simple, you can register on the Nordstrom website, or you can register in person at one of many locations. Applicants must provide personal information such as name, address, and phone number.

In addition, applicants must provide secure personal information, including social security number, date of birth, employer, annual income, and driver’s license number. The company uses this information to check the credit and background of applicants to ensure they are eligible.

When registering online, the decision is instant, and qualified applicants can start shopping immediately.

What kind of credit is required for a Nordstrom credit card?

Nordstrom did not list its credit card requirements. Although the credit requirements are not disclosed, like most store cards, the required credit is usually fair to good.

Where can I use a Nordstrom credit card?

Nordstrom’s own-brand credit cards can be used in its Nordstrom stores, including Nordstrom Rack, HauteLook, and Nordstrom Trunk Club, as well as online equivalents of these stores. Nordstrom’s universal card can be used wherever Visa cards are accepted.

Alternatives to Nordstrom credit cards

The main alternative to credit cards in Nordstrom stores is universal cards. The universal card issued by TD Bank can be used in Nordstrom and its own stores and all merchants that accept Visa.

Nordstrom provides store credit cards that can only be used for orders from Nordstrom and its own stores, as well as co-branded Visa cards that can be used wherever Visa is accepted.

Nordstrom credit card terms and conditions

The annual interest rate (APR) of the Nordstrom store card is 25.9%. On general purpose cards, the APR varies according to the credit rating-between 18.9% and 25.9%. The grace period (the time before payment is due) is at least 25 days from the statement deadline.

For general-purpose cards, you can choose prepaid cash at an annual interest rate of 26.9%, and prepaid cash at US$10 or 5% (whichever is higher). The penalties for both cards are the same-up to $40 for late payments and up to $29 for refunded payments.

Who should consider using a Nordstorm credit card

Nordstrom’s credit card is useful for consumers who often shop in stores. The introductory offer includes $40 in points, and the amount spent at Nordstrom, Nordstrom Rack, HauteLook, or Nordstrom Trunk Club earns 3 points for every $1​​ spent. For every 2,000 points earned, users will receive $20 in Nordstrom Notes, which can be used for future purchases.

Bottom line

Nordstrom credit or debit cards are a smart choice for frequent Nordstrom shoppers and Nordstrom Club members. For shoppers in the store, they will earn 3 points for every $1 spent, but the points can only be redeemed for points purchased by Nordstrom.

Frequently Asked Questions about Nordstrom Credit Cards

What credit score is required for a Nordstrom card?

Nordstrom and its card issuer TD Bank do not publish the required credit scores, but for most store cards, a fair to good score is feasible. Experian believes that a fair credit score is between 580 and 669.

Which bank is Nordstrom’s credit card?

Nordstrom’s credit cards, store cards and general purpose cards are all issued by the TD Bank. However, the universal card can be a credit-based Visa Signature card or Visa Platinum card. Nordstrom’s debit card is issued by Nordstrom Card Services, Inc.

Is it worth getting a Nordstrom credit card?

The Nordstrom card may be useful for customers who frequent one of the stores. Although the Nordstrom branded universal card offers the same benefits and can be used wherever Visa is accepted.

How do I pay for my Nordstrom credit card?

The easiest way to pay with a Nordstrom credit card is to pay online. Cardholders can log in through the Nordstrom card service or set up an online account.


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