How The Nordstrom Credit Card Works

Welcome back to Earningdiary. Ever wondered how the Nordstrom store card works? We’ve taken the liberty of putting together this comprehensive guide for the potential cardholder so you can get a better idea of how the benefits of the Nordstrom card work, what the APR is, and more. If you’ve ever considered a Nordstrom credit card, you’ll find all the essential information here.How The Nordstrom Credit Card Works

The Nordstrom Card Is A Great Option

The Nordstrom credit card can be an excellent resource for its members. If you’re looking to build your credit, or just enjoy shopping with Nordstrom, this is the card for you. With exclusive member benefits and exclusive access to certain sales and promotions, this card has everything the Nordstrom shopper needs.

The Benefits

The Nordstrom card offers exclusive benefits to the cardholders. The more you spend with Nordstrom, the higher your member status, and thus the more benefits you have access to. Some of the best benefits, like in-home tailoring, are reserved for the highest status members.

Once per year, the selected professional will visit your home to discuss fashion advice based on your wardrobe and even offer free tailoring services. They’ll bring the Nordstrom experience right to your doorstep, free of charge.

If early access is something you enjoy, the Nordstrom credit card offers you a chance for early access to their anniversary sale, which happens annually. You’ll get early access to the new arrivals at sale prices before anyone else does.

In addition to discounts and early sales, you’ll also get access to beauty and style workshops so you can learn how to look your very best in any outfit. For members with Ambassador + status, you’ll also get exclusive access to invite only events hosted or sponsored by Nordstrom.

You’ll earn up to 3 points per dollar spent either in-store or online, and you’ll be presented with a $20 voucher for every 2,000 points you acquire.

The card also offers a 24/7 customer service line, so no matter where you are you can always have access to excellent customer service for any card issues you may experience.

APR and Late Fees

The annual percentage rate for the Nordstrom card is 25.15%, with late fees up to $38. This is, of course, all subject to fluctuation based on your credit-worthiness. For a complete list of the terms and details, you may visit the credit card agreement here.


Applying for a Nordstrom card is easily done right on the website, which can be found here. This takes the hassle out of traditional pen and paper applications and can make your approval time a little less than with a mail-in.

If you’re approved, you can create an online account and start using your card right away, before you receive the physical card. The online portal lets you make payments, manage fees, and view all of your credit card information in one, convenient place.

Once You’ve Got Your Card

Once you’ve been approved, it’s time to visit your nearest Nordstrom, Nordstrom Rack, HauteLook, or Trunkclub. You can also use the card online so you can start building up those points without ever having to visit a brick-and-mortar store.

Sometimes it can be easy to get carried away with a new card, especially one at your favorite retailer. It’s important to remember that what you’re charging is still a credit card, and subject to interest rates and fees.

Be sure to watch your balance and not max out your card, as this can not only have an impact on your credit but also on your interest and principal balance.

Nordstrom Also Offers Visa Cards

If you want the same benefits and then some of a store card, you can apply for the Nordstrom Visa Platinum or Visa Signature. These two great cards offer the same benefits as a store card, plus two points per dollar on dining and one point per dollar everywhere else Visa cards are accepted.

If the store card isn’t flexible enough for you, then the Nordstrom Visa might be the right choice for you. You can still use it in the Nordstrom store, but it will also work on other things like restaurants and department stores.

Nordstrom Has A Reputation of Excellence

While applying for credit can sometimes be daunting, Nordstrom makes the process simple and confusion-free. With an excellent customer service rating and a dedicated support staff, you can be sure that you’ll get the help you need, plus excellent products and services.

The card itself boasts a 4.2/5 star review on Credit Karma, making it one of the top rated cards in the industry; with 65% of its users giving the card a 5-star rating. A customer satisfaction rating that high can only be achieved through excellence in service and products.


Whether you’re a first-time card user or a frequent shopper, the Nordstrom credit card has something to offer every level of credit experience. With reasonable APR, a huge benefits package, and access to invite only events, this card has taken store cards to another level entirely.

Coupled with an excellent customer service rating, the Nordstrom card offers a unique experience for its members. With fashion options for everyone in the family, you can rest assured that your money is well spent and your credit is being well managed. Sign up for a Nordstrom card today and see why it’s one of the best retail cards out there.