Nordstrom Visa® credit card review

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Purchase Intro APR:
Regular APR:
18.90% to 25.90% (Variable)
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Best card for shopping rewards at Nordstrom

  • Rewards rate: 3X points per dollar spent at Nordstrom and its brands, including Nordstrom Rack, and 1X points on all other purchases
  • Welcome offer: $40 Bonus Note (when you make any purchase at Nordstrom, or Nordstrom Rack the day you’re approved)
  • Annual fee: None
  • Purchase intro APR: None
  • Balance transfer intro APR: None
  • Regular APR: 18.90 percent to 25.90 percent variable

If you’re a fan of the Nordstrom department store and make frequent purchases with the retailer, you might be considering opening a Nordstrom Visa Credit Card.

Nordstrom technically offers multiple different cards: a store card you can only use at Nordstrom and its brands, and a Nordstrom Visa Credit Card. Depending on your creditworthiness, you could be eligible for a Nordstrom Visa Signature or Visa Platinum credit card.

Before you apply, let’s take a closer look at the Nordstrom Visa credit card benefits and see if this card is worthy of a spot in your wallet.

Welcome offer

You’ll unlock a $40 Bonus Note when you apply for this credit card, get approved and shop at Nordstrom or one of its brands on the same day. The Bonus Note will be available for future purchases. Current Nordstrom credit cardmembers are not eligible for this offer.


Earning rewards is easy if you shop frequently at Nordstrom and its brands, whether you prefer to shop online or in person.

Earning rewards

For every dollar you spend at Nordstrom or its brands (, Nordstrom Rack, HauteLook and the Nordstrom Trunk Club), you earn 3 points, regardless of whether you prefer to shop online or in person. For all other purchases, you’ll earn 1 point per dollar spent.

Redeeming rewards

The points you accumulate become Nordstrom Notes you can redeem redeemed in stores or online at Nordstrom, Nordstrom Rack, HauteLook and Nordstrom Trunk Club.

Points can be cashed in as Notes at $5, $10 and $15 with the Nordstrom app—or, when you earn 2,000 points, you’ll automatically receive a $20 Nordstrom Note automatically. Notes do expire one year after the date they’re issued, however, so you must shop with some frequency at Nordstrom and its brands.

How much are points worth?

Every time you accumulate 2,000 points, you’ll be sent a Nordstrom spending certificate worth $20—a 1 percent return.


There are a few Nordstrom Visa credit card benefits that can make the card tempting for shoppers loyal to Nordstrom and its family of brands. In addition to accumulating points that can help you save on future purchases, Nordstrom offers cardholders a few other benefits and perks.

Insider status

Typically earned after spending $500, Insider status in the Nordy Club (Nordstrom’s loyalty club) gets you a personal double points day, early access to sales (such as the Nordstrom Anniversary Sale) and more.

No foreign transaction fees

Shop abroad without being hit by foreign transaction fees.

Alterations credit

In addition to free basic alterations (available to all basic Nordy Club members), you’ll get a $100 alterations credit

Nordstrom Trunk Club

The fee for Nordstrom Trunk Club styling will be waived as a Nordy Club Insider.

All-day customer service

Cardholders also have access to 24/7 customer service line in case you have questions about your card, such as, “why was my Nordstrom credit card denied?” or, “what should I do if Nordstrom closed my credit card?”.

Visa cardholder benefits

If you have the Nordstrom Visa Signature Credit Card, you’ll also have a host of additional benefits from Visa. Perks include travel and roadside services, travel accident insurance, damage and theft insurance for rental cars and access to the Visa Concierge service for assistance with travel plans.

Rates and fees

You won’t find an introductory APR offer with the Nordstrom credit card. The APR range (used for both Nordstrom and non-Nordstrom purchases) is dependent on your creditworthiness. The APR range is 18.90 percent to 25.90 percent variable. Balance transfers are not an option with this card, but you can get a cash advance if you need one for a 5 percent fee or 10$ whichever is greater.

The Visa Signature card does not have an annual fee or charge foreign transaction fees, which is helpful for people who like to travel and shop abroad.

How the Nordstrom Visa Credit Card compares to other shopping rewards cards

Store cards are available almost everywhere you shop, and each one has its own set of requirements and benefits. Even when comparing the Nordstrom Visa Signature to the Platinum version of the card, you’ll find variances. Like other store cards, the credit score needed for the Nordstrom Visa card tends to be lower.

For instance, the U.S. Bank Cash+™ Visa Signature® Card gives you 5 percent cash back for your first $2,000 in eligible spending each quarter on two categories of the 12 available, including at select department stores. 2 percent cash back on one everyday category, like gas stations, grocery stores or restaurants. Then, you earn 1 percent cash back for everything else. There’s no annual fee for this card, either.

The Blue Cash Everyday® Card from American Express is another strong contender for people who want to be rewarded for purchases in a broader range of categories—including shopping. As a welcome bonus, earn 20% back on purchases on the Card in the first 6 months of Card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.

The flexible rewards program includes 3 percent cash back at U.S. supermarkets (up to $6,000 in purchases annually, then 1 percent) and 2 percent cash back at U.S. gas stations and select U.S. department stores. You’ll earn 1 percent cash back on everything else.

Card Rewards rate Annual fee Welcome bonus
Blue Cash Everyday® Card from American Express
  • 3 percent cash at U.S. supermarkets (on up to $6,000 in purchases per year, then 1 percent)
  • 2 percent cash back at U.S. gas stations and select U.S. department stores
  • 1 percent cash back on all other purchases
$0 Earn $200 back in statement credits after you spend $2,000 in purchases on your new Card within the first 6 months of card membership.
U.S. Bank Cash+™ Visa Signature® Card
  • 5 percent cash back on purchases in two of 12 choice quarterly categories (up to $2,000 in combined eligible purchases per quarter, then 1 percent), which have included department stores, electronic stores and furniture stores in 2020
  • 2 percent cash back on one of three choice categories, including gas stations, grocery stores and restaurants
  • 1 percent cash back on all other purchases
$0 $200 cash bonus after applying online and spending $500 in purchases within the first 90 days.
Chase Freedom Unlimited®
  • 5 percent cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
  • 5 percent cash back on travel purchased through Chase Ultimate Rewards
  • 3 percent cash back on restaurant and drugstore purchases
  • 1.5 percent cash back on all other purchases
  • $200 cash bonus after spending $500 on purchases within the first three months


Best cards to pair with the Nordstrom Visa Credit Card

Since a shopping rewards card doesn’t always offer a ton of benefits, you could pair it with a cash-back card to maximize your purchases.

One popular card to consider is the Chase Freedom Unlimited. This card offers an impressive 0 percent introductory APR on purchases for the first 15 months, then a variable rate of 14.99 percent to 23.74 percent variable. You also have the opportunity to earn at least 1.5 percent in cash back on all purchases, rather than just store credit.

Bankrate’s Take—Is Nordstrom Visa Signature Card worth it?

The Nordstrom Visa Signature card is best for shoppers who are loyal to the Nordstrom brand and can take advantage of all the shopping perks (such as alterations and sales).

While there may not be an annual fee, if you don’t purchase enough from Nordstrom (or its other brands) on a regular basis, then this credit card really won’t be working for you, since it only earns bonus points on Nordstrom purchases and those points cannot be redeemed in any other way. Store credit cards are designed to keep you loyal to one brand, and the Nordstrom Visa Credit Card is no exception.


  • A $40 welcome bonus
  • Early access to major sales
  • A $100 alterations credit
  • Automatic Insider status (normally requires $500 in purchases)
  • No foreign transaction fees


  • High APR on purchases
  • Only 1 point per dollar spent on purchases outside of Nordstrom and its sister brands.

All information about the Nordstrom Visa Credit Card and U.S. Bank Cash+™ Visa Signature® Card has been collected independently by Bankrate and has not been reviewed or approved by the issuer.