| Rewards | The Nordy Club — earn up to 3 points per $1 at Nordstrom with the Nordstrom card. Nordstrom Visa cardmembers also earn 2 points/$1 on eligible gas/EV charging, groceries, dining and streaming, and 1 point/$1 everywhere else Visa is accepted. |
|---|---|
| Signup Bonus | $40 off your next purchase when approved for a new Nordstrom credit card. Terms apply. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | Up to $40 |
| Purchases APR | 35.99% variable APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The Nordstrom Credit Card is mainly designed for frequent Nordstrom and Nordstrom Rack shoppers. It has no annual fee and offers Nordy Club rewards, along with perks such as special promotions and early access to certain sales.
Most users say the card is useful if they regularly shop at Nordstrom, especially because rewards can translate into benefits for future purchases. Many reviewers mentioned that the store-specific perks and discounts can make the card worthwhile for loyal customers.
On the downside, some users feel the rewards are too limited compared with general cash-back cards. The card also carries a high purchase APR, making it a poor choice for anyone who regularly carries a balance. Others find the benefits less valuable if they only shop at Nordstrom occasionally.
Personally, I think the Nordstrom Credit Card makes sense for loyal Nordstrom shoppers who pay their balances in full and can take advantage of the store perks. For occasional shoppers or anyone looking for flexible rewards, a general cash-back card is likely a better choice.
I enjoy the perks and rewards while shopping, but outside their stores, it doesn't offer much. The interest rates are higher than I expected, so I use it mainly for planned purchases.