Nordstrom Visa Credit Card Review

Find out if the Nordstrom Visa credit card is right for you. With solid rewards and several special perks, the card is an excellent choice for loyal Nordstrom shoppers who crave rewards points.

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The Verdict

If you shop at Nordstrom regularly, the Nordstrom Visa card's rewards and special perks make it worth it

To avoid confusion, it's important to note that there are two credit cards: the Nordstrom store card and the Nordstrom Visa.

The store card can only be used on purchases from the store, but both cards make it simple to earn rewards points.

For regular Nordstrom shoppers, the Visa rewards card is a no-brainer.

It allows you to earn points while also providing protection.

The Visa offers traditional credit card protections like rental car collision coverage and extended warranties.

Avid shoppers with strong credit scores may be able to upgrade from the Visa Platinum to the Nordstrom Visa Signature for even more perks.

No fees but interest rates are variable. Here's the good news about the Nordstrom Visa—there's no annual fee and no foreign transaction fees.

However, interest rates are variable and can range 12.15–24.15% for Nordstrom purchases.

For non-Nordstrom purchases, the interest rates range 16.15–24.15%.

Depending on the rate you're approved for and whether or not you carry a balance, you might not actually save any money from the lack of fees.

Cash back is only effective for regular shoppers. For every $1 you spend at Nordstrom, you'll earn 2 Nordstrom rewards points.

Consumers Who Have Shopped at Nordstrom from 2008-2017

For every 2,000 points you earn, you'll receive a $20 Nordstrom Note, which works as a Nordstrom gift card.

It's a simple system, and you'll need to spend $1,000 to earn $20.

This means you'll earn 2% "cash back" at Nordstrom, which is great.

But when you're shopping at other stores, you'll only earn 1 point for every $1 spent, or 1% cash back.

If you don't shop at Nordstrom regularly, you're probably better off with a basic cash back credit card.

What Makes It So Special

The Nordstrom Visa comes with plenty of great perks like early sales access and rewards combos

Early access to sales events and free alterations. The number one perk that sets this card apart is early access to Nordstrom's annual anniversary sale.

Cardholders get to shop this highly anticipated event before anyone else.

In addition, all cardholders get reimbursed for up to $100 of alterations from Nordstrom.

Choose the day you earn triple points. Cardholders get to choose one day per year when they earn triple points.

Normally, cardholders earn 2 points per $1 spent at Nordstrom, but on their triple point day, they can earn 6 points for every $1 spent.

This means that cardholders only need to spend $334 to earn a $20 Nordstrom Note.

Being able to select the day ensures that you can make the most of your points boost with a big purchase.

Cardholders will also be notified of additional "triple points" events throughout the year.

Combine your rewards and coupons. Unlike other stores, Nordstrom allows cardholders to combine Nordstrom Notes with coupons and other promotions.

This means you can "stack" Nordstrom Notes with coupons and save even more.

The cash sign-up bonus is applied instantly. After spending $100 on the day you are approved for the card, you'll receive a $40 bonus note.

It can be instantly applied to your purchase or saved for another day.

A good way to build up your credit score. If you're trying to bump up your credit score, the Nordstrom store credit card might be the perfect choice.

The Nordstrom store card requires "Poor" to "Fair" credit, somewhere in the credit score range of 550–650.

However, the application process does not allow customers to specify which card they want.

This means that some customers might be approved for the Nordstrom store card while others are approved for the Visa.

The only difference between the cards is that the Nordstrom store card can only be used at Nordstrom.

Customers who are approved for the store card but want to upgrade to the Visa after a few months may call 1-800-964-1800 to submit a request.

Not the ideal all-purpose credit card. If you're looking for an everyday card then you might want to consider a cash back credit card that will earn 1.5–2% cash back on all purchases.

Even though the Nordstrom Visa provides 2 rewards points for every $1 spent at the store, the rewards drop to 1 point for every $1 spent at other stores.

If you're looking for an all-purpose credit card to serve as your primary card, you're better off with a basic cash back card.

Be wary of carrying a balance. If you regularly carry a balance on your card, you might want to consider a different option.

The Nordstrom Visa has a variable APR of 12.15–24.15%.

Unless you have "Excellent" credit, somewhere in the credit score range of 750 or above, you'll likely be approved for an APR on the higher end.

If you tend to carry a balance, this can add up.

For example, if you carry a balance of $1,000 and pay $25 per month with 10% APR, you'll pay a total of $221.44 towards interest.

With a 20% APR and a balance of the same amount, the interest fees nearly triple and will cost $661.70.

If you tend to carry a balance, you're probably better off choosing a card with a low-interest rate because the price of interest quickly adds up.

Why People Love It

Excellent customer service, regular credit limit increases, and rewards that increase as you shop

Exceptional customer service makes it a pleasure. According to reviews, great customer service makes the experience of having the Nordstrom Visa even more enjoyable.

Major Department Store Card Users from 2008-2017

Credit limit increases are fair and occur regularly. For cardholders looking to rebuild their credit, regular credit limit increases based on responsible card use are a huge perk.

For cardmembers who want to inquire about an increase, the process is easy.

Call 1-800-964-1800 or simply submit a request through your online account.

TD Bank, the bank the card is issued through, offers a maximum credit limit of $25,000.

The application process is easy and fast. The process of applying for the card is simple.

Customers can apply online or in-person with a photo ID, social security number, income information, and date of birth.

Approval is normally instant and you can start shopping with your card account the same day.

If you're instantly approved, the physical card will arrive in the mail in 7–10 days.

If you're not approved instantly, you'll receive a decision in the mail 7–10 days after you applied.

What Are the Downfalls?

If you're not careful, Nordstrom Notes can expire, points can't be combined, and fees can add up

Nordstrom rewards earned as a member can't be combined. There are two levels of membership: rewards members and cardmembers.

You don't need to apply for a card to become a rewards member.

You simply register online and start earning 1 reward point for every $1 spent at Nordstrom.

Customers used to be able to apply for a Nordstrom debit card, but that is no longer an option.

However, if you're a rewards member and later decide to upgrade to a cardmember, you won't be able to transfer or combine the points you earned as a rewards member.

For longtime shoppers, it can be a frustrating experience.

Nordstrom Notes expire after one year. The rewards system is straightforward: for every 2,000 points earned, you get a $20 Nordstrom Note gift card.

But it's important to note that the gift cards expire after one year.

Similarly, rewards points expire after three years.

"The rewards system leaves a lot to be desired, especially since the only reward is a Nordstrom Note and it expires," explains a Nordstrom cardmember in an online review.

If you don't pay attention, fees can add up. Even though the card doesn't have an annual fee or charge foreign transaction fees, there are still other fees to watch.

Late fees cost $38 and returned payments can cost up to $25.

Also, if you fail to make a minimum payment one month, the penalty APR is 31.15%.

The Competition

Nordstrom Visa competes with Chase Freedom for cash back rewards

Both cards offer a form of cash back, but depending on your needs, one might be slightly better.

Here's how they compare.

Cash back is similar but there's a big difference. Both Nordstrom and Chase offer cash back rewards.

But instead of providing the cash back in the form of a gift card or Nordstrom Note, Chase provides it as cash that can be used anywhere.

The other difference is that Nordstrom offers 2% cash back on all purchases made from Nordstrom and 1% cash back on all other purchases.

Global Net Sales Share of Nordstrom

Chase, on the other hand, offers 1.5% cash back on all purchases.

Chase Freedom offers a bigger sign-up bonus. Nordstrom offers a $40 sign-up bonus for customers who spend $100 on the day they are approved.

Chase offers a $150 sign-up bonus for customers who spend $500 within the first three months.

Chase offers a bigger bonus, but the required spending amount is bigger as well.

Nordstrom makes it easier to get approved. Because Nordstrom offers two versions of the card, the Nordstrom store card and the Nordstrom Visa, it's easier to get approved.

The Nordstrom store card requires poor to fair credit, somewhere in the credit score range of 550–650.

Chase is a more competitive application and generally requires fair to good credit, somewhere in the credit score range of 650–749.

For customers who are looking to build or repair credit, the Nordstrom store card is the clear winner.

How it compares to its top competitor

Nordstrom Visa Chase Freedom
How high of a credit score do you need? >550 >650
Average APR? 12.15–24.15% Variable 16.24–24.99% Variable
Annual fee? $0 $0
How big of a sign-up bonus do you get? $40 $150
How much do you need to spend to get the bonus? $100 on first purchase $500 within 3 months
How many points do you get for every dollar? 2 points at Nordstrom; 1 point everywhere else 1.5 points
Any restrictions? Points can only be redeemed for Nordstrom Notes None
If you spent $100 on the card, then how much would the points be worth in dollars? $2 at Nordstrom; $1 everywhere else $1.50
How much would you need to spend on the card to make up for the fees (excluding APR/rates)? N/A N/A

If you like Nordstrom, then here are other competitive card offerings to consider

Ann Taylor for clothes and rewards. If clothing is your favorite item to buy at Nordstrom then you'll love the Ann Taylor credit card and its rewards.

For every $400 you spend, you'll get a $20 gift card.

The best part? There's no need to wait for triple points days.

Weekly shopping discounts with Gap. With the Gap Visa, you'll get 10% off every purchase made on Tuesdays at Gap, Banana Republic, Old Navy, and Piperlime.

Improve your credit with the Capital One Quicksilver. If you need to improve your credit score and are in the market for an unsecured card, then the Quicksilver is for you.

Capital One® Quicksilver® Rewards
Apply Now
On Capital One’s secure website
Capital One® Quicksilver® Rewards
Apply Now
On Capital One’s secure website
Earn unlimited 1.5% cash back on every purchase, every day
  • Intro APR
  • Regular APR
    0% intro APR for 15 months; 14.74% - 24.74% variable APR after that
  • Annual fee
    See Terms
  • Credit level
    Excellent or higher

It requires "Poor" to "Fair" credit, somewhere in the credit score range of 550–650.

The Question Everyone's Asking

How does the tiered rewards system work?

Four levels of rewards with different perks. There are four different levels of rewards with the Nordstrom Visa.

The rewards ratio of 2 points for every $1 spent stays the same, but the perks are slightly different at each level.

Here's how it works.

Level 1 is for casual shoppers. If you spend up to $1,999 in a year, you'll be able to choose one triple-points shopping day and get reimbursed for up to $100 of alterations.

Level 2 is for avid shoppers. If you spend $2,000–$4,999 in a year, you'll choose two triple-points shopping days and get reimbursed for up to $200 of alterations.

In addition, you'll get invited to an exclusive holiday event.

Level 3 is for serious shoppers. If you spend $5,000–$9,999 in a year, you'll choose three triple-points shopping days and get reimbursed for up to $300 of alterations.

You'll also get invited to an exclusive holiday event and be able to purchase experience packages.

Level 4 is for VIP shoppers. If you spend over $10,000 in a year, you'll select four triple-points shopping days and get unlimited alterations.

You'll also get invited to an exclusive holiday event and be able to purchase experience packages.

Plus, you'll be invited to partake in complimentary VIP experiences, like spa days and all-inclusive dining experiences.

How It All Works

Complete the simple application process, don't pay any fees, and earn generous rewards for Nordstrom purchases

APR rates are comparable to other cards. With a variable APR of 12.15–24.15%, the Nordstrom Visa offers decent rates.

But the rate for which you are approved really depends on your credit score.

The lower your credit score, the higher your APR.

Shopping rewards are competitive but not the best. Compared to other rewards systems, like 5% off every purchase for Target cardholders and a $20 gift card for every $400 spent for Ann Taylor cardholders … well, Nordstrom could be better.

Fees are straightforward and easy to understand. With no annual fee or foreign transaction fees, shoppers don't have anything to lose by applying.

The maximum late fee a cardholder can be charged is $38.

There's no small print or misleading language to worry about.

The more you spend, the more you receive. The bottom line for the Nordstrom card is that the more you spend at the store, the more benefits you receive.

Nordstrom Stores Worldwide from 2013-2016

If you plan on spending more than $5,000 a year at Nordstrom, applying for the card is a no-brainer.

Online banking through TD Bank for the Nordstrom Visa is standard but nothing special

Online banking through TD Bank provides standard services for Nordstrom cardholders.

There is bill payment, customer support, account overview, and security, but there's nothing special that sets the digital experience apart.

Bill payment is easy and painless. Like all credit card providers, TD Bank allows Nordstrom cardholders to schedule payments online, view transaction history, and enroll accounts.

There aren't any bells or whistles, but it gets the job done.

Account information is readily available. Cardholders won't be in for any surprises.

Your account information is clearly listed and labeled on the online banking platform, which can be accessed from any device.

Avoid long hold times with online services. Cardholders don't have to spend their time on hold over the phone.

They can request credit line increases, replacement cards, email alerts, and statement histories online.


  • How do I get started?

    You can apply online or in-person for a Nordstrom credit card.

    The application process does not allow you to specify which card you want, so you will be considered for both the Nordstrom credit card and the Nordstrom Visa.

    Most applications are instantly approved.

    In order to take advantage of the $40 sign-up bonus, make sure that you are prepared to spend $100 at the store or online the day you apply.

  • How do I cancel my card?

    The easiest and quickest way to close your account is to call Nordstrom at 1-800-964-1800.

    Make sure to use all of your rewards points before canceling because you'll lose them once your account is closed.

  • How do I contact a human?

    To speak to a human as soon as possible, dial 1-800-964-1800 and hit "0" two times.

    Be sure to ignore the automated prompts along the way.

  • How can I add money to my card?

    You cannot add money to your card.

    The Nordstrom Visa is an unsecured credit card.

  • Where and how can I redeem my points?

    Points are automatically redeemed for a $20 Nordstrom Note once you earn 2,000.

    Nordstrom is currently in the process of making Notes digital, but in the meantime, they will be mailed to your home.

  • Are my points only redeemable at Nordstrom?

    Yes, rewards points are only redeemable for Nordstrom Notes.

  • Can I redeem the points at other sister stores and other non-affiliated stores?

    Yes, you can use Nordstrom Notes at Nordstrom, Nordstrom Rack, Trunk Club, and HauteLook.

  • Where can I use my credit card?

    You can use your credit card at any business that accepts Visa.

  • How long does it take to refund my credit card?

    Refunds will usually post to your account within 3–5 business days.

  • Will I get free shipping on online shopping?

    No, the card does not have free shipping benefits.

    However, Nordstrom's shipping is always free.

  • How do I withdraw money from my credit card?

    You cannot withdraw money from your credit card, but you can get a cash advance from your Nordstrom credit card.

  • Can I get cash advance and are there any related fees?

    Yes, you can get a cash advance.

    The fees are either $10 or 5% of the amount of each cash advance, whichever is greater.

  • Can I use my credit card without the card?

    Yes, on the day you apply for the card, you can make your payment at Nordstrom using your new account details.

  • Can I get a Nordstrom debit card?

    No, Nordstrom is no longer offering the Nordstrom debit card.

  • How do I add an authorized user to my credit card?

    You can add an authorized user to the credit card when you apply or call 1-800-964-1800 and ask to speak to a representative.

  • Are there any upgrades on this credit card?

    Yes, the Nordstrom store credit card can be upgraded to the Nordstrom Visa Platinum.

    Customers who frequently shop at Nordstrom may be able to upgrade from the Visa Platinum to the Nordstrom Visa Signature.

  • How soon can I use my credit card once I receive it?

    You can use your card immediately.

  • How can I check the status of my credit card application?

    The quickest way to check the status of your credit card application is to call 1-800-964-1800.

  • What are the payment options for the credit card?

    You can pay your bill online, by phone at 1-800-964-1800, or by mail at Nordstrom P.O. Box 79137, Phoenix, AZ 85062-9137.

  • How do I report a stolen credit card?

    To report a stolen credit card, immediately call 1-800-964-1800 and press "0" two times.

  • What credit score do I have to maintain so my account is not closed?

    In order to ensure that your account is not closed, you should keep your account in good standing.

    However, TD Bank has the right at any time to terminate your credit card account.

  • Will my credit score drop if my account gets closed?

    Credit scores may drop when accounts are closed, but it is typically temporary.

  • Which credit bureaus does the credit card report to?

    The credit card reports to all three credit bureaus: Equifax, Experian, and TransUnion.

  • Is there an expiry date on the card?

    Yes, the credit card has an expiration date.

  • Is there a credit insurance program and how will it cover me if I lose my job?

    There is not a credit insurance program for job loss.

If you're a huge fan of Nordstrom and shop there regularly, then this card is for you

The Nordstrom Visa is a straightforward card that doesn't pull any punches.

The fees are clearly outlined and customers love the combination of excellent customer service and a simple application process.

If you're an avid Nordstrom shopper, then it's a great card to add to your wallet.

You'll earn one $20 Nordstrom Note for every $1,000 spent.

On your triple points day, you'll earn rewards even faster: one $20 Nordstrom Note for every $334 spent.

But if you don't regularly shop at Nordstrom, you'll earn better rewards with a standard cash back credit card.

Tens of thousands visit our website looking for ways to maximize the advantages and perks they'll be able to get from their credit cards.

We want to make sure you get the best rewards according to your spending habits—which is why we've put together this in-depth article.

Do you have a Nordstrom credit card?

How has the card worked out for you?

Any great tips (or nightmares) to share with the rest of us?

Let us know in the comments below!

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Editorial Note:

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