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Nordstrom Credit Card Review

Nordstrom Credit Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 26, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you’re a fashionista who frequently purchases clothes, shoes, cosmetics and accessories from Nordstrom or Norstrom Rack, the Nordstrom Credit Card is a great way to be rewarded for doing so.

Issued by TD Bank, the Nordstrom Credit Card lets cardholders earn 3 points per dollar spent on all eligible purchases. Each point you earn is worth 1 cent in Nordstrom Notes. For example, 2,000 points are worth $20 in Nordstrom Notes, which can be redeemed in stores and online at Nordstrom, Nordstrom Rack and HauteLook.

Notes can be cashed in at $5, $10 and $15 through the Nordstrom app, or they will automatically be added to your account when they reach $20.

In this review, we’ll break down the pros and cons of the Nordstrom Credit Card, as well as how it compares to the Blue Cash Everyday® Card from American Express.

In this post:

Where the Nordstrom Credit Card stands out

Rewards rate. The Nordstrom Credit Card lets cardholders earn 3 points per dollar spent on all eligible purchases. This includes purchases made using your Nordstrom Credit Card in stores and online at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club.

Early shopping access. Card members get early access to Nordstrom’s Anniversary Sale in July, exclusive access to shop new brand and product launches before everyone else, as well as priority access to style events.

Additional benefits:

  • Access to invite-only events
  • Curbside pickup when you buy online and pick up in store
  • Free basic alterations

Where the Nordstrom Credit Card falls short

Limited to Nordstrom stores. You can only use the Nordstrom Credit Card at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club.

Additionally, while you can redeem Nordstrom Notes at Nordstrom, Nordstrom Rack and Hautelook, you cannot currently redeem them at Trunk Club.

High purchase APR. If you’re planning to finance a large Nordstrom purchase and pay it off over time, the Nordstrom Credit Card is not ideal. Because the card does not offer a 0% intro APR on purchases, you will incur very high interest charges at an APR of 24.40% variable if you carry a balance.

That said, we recommend paying your balance in full each month.

Rewards expiration. Your points will expire three years from the last day of the year in which you earned them, or when your account is closed. Nordstrom Notes expire one year after they date they are issued.

Compare it to the Blue Cash Everyday® Card from American Express

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

  • 3% at U.S. supermarkets on up to $6,000 per year in purchases*

  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

Highlights
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

More Info

If you want to earn rewards on U.S. department store purchases, but don’t want to be limited to Nordstrom, you may want to consider the Blue Cash Everyday® Card from American Express instead.

The card offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.

Eligible department stores include the following: Nordstrom, Bealls, Belk, Bloomingdale’s, Bon Ton Stores, Boscov’s, Century 21 Department Stores, Dillard’s, JCPenney, Kohl’s, Lord & Taylor, Macy’s, Neiman Marcus, Saks Fifth Avenue and Stein Mart. Keep in mind, though, that you can only earn the elevated rewards rate on department store purchases made in the U.S.

See how the cards compare side by side in the table below.

Nordstrom Credit Card vs. Blue Cash Everyday® Card from American Express

Nordstrom Credit Card Blue Cash Everyday® Card from American Express
Annual fee $0 $0
Welcome bonus N/A $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Rewards rate Earn 3 points per dollar spent on all eligible purchases 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.
Intro APR on purchases N/A 0% for 15 months
Regular purchase APR 24.40% variable 14.49%-25.49% variable

Unlike the Nordstrom Credit Card, the Blue Cash Everyday® Card from American Express allows you to carry a balance interest-free for more than a year. The card comes with an intro APR on purchases of 0% for 15 months, then an APR of 14.49%-25.49% variable applies.

The Blue Cash Everyday® Card from American Express also offers a welcome bonus of $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

The bottom line

If you are a Nordstrom loyalist who wants to take advantage of early access to sales and priority admission to style events ⁠— while earning rewards on Nordstrom purchases ⁠— the Nordstrom Credit Card could be a good fit. However, if you want more flexibility in where you use your card and on which purchases earn rewards, the Blue Cash Everyday® Card from American Express will be a better choice.


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