Nordstrom, which opened for business in 1901, has always been renowned for its lenient return policies. The department store even has its very own urban legend about taking back tires — which is remarkable because Nordstrom does not sell tires. Though the returns policy has since gotten stricter, the retailer remains popular among shoppers. Frequent Nordstrom shoppers should note the perks of owning a Nordstrom credit card, as this retail card allows cardholders to racks up Nordstrom Rewards points for spendable Nordstrom Notes and other benefits. Here’s what you need to know about one of the best store credit cards.
Applying for a Nordstrom Credit Card
To obtain a Nordstrom credit card, apply in one of two ways: online or in person. Before you apply, check your credit report to ensure it’s error-free so it will not negatively impact your approval process:
Apply for a Nordstrom Credit Card Online
To apply online, follow these steps:
- You will need your Social Security number and a form of ID such as a driver’s license, state ID, passport, green cards or military ID.
- Visit the Nordstrom credit application site and click “Apply Now.”
- Fill out the Nordstrom credit card application with the details of your current income and date of birth.
- Review the disclosures and click “Agree and Apply.” You will receive a $40 bonus Nordstrom Notes certificate to spend once approved.
Apply for a Nordstrom Credit Card In-Person
You also have the option to apply in person by following these steps:
- Find your closest Nordstrom store using Nordstrom’s online store locator.
- Bring your chosen form of ID.
- The application will require your Social Security number, income information and date of birth.
- Fill out the Nordstrom credit card paper application found at customer service or near a cash register.
Upon approval, you will receive a $40 Nordstrom Notes bonus if you spend at least $100 on that day. After you use your Nordstrom credit card, you can conveniently pay online each month, or set up autopay either online or via Nordstrom’s paper enrollment form.
Types of Nordstrom Credit Cards
Nordstrom offers three credit card options with a few common benefits:
- No annual fees
- 24/7 customer service
- Points earned per dollar spent
- Potential $40 bonus for becoming a member
Nordstrom keeps its income requirements to obtain a Nordstrom credit card proprietary, so this information is not readily available to the public. You must be 18 years of age or older to apply for a Nordstrom credit cards, 19 if in Alabama and Nebraska, and 21 in Mississippi or Puerto Rico.
Here are some distinguishing factors for each of the Nordstrom credit cards:
Nordstrom Retail Card
The Nordstrom retail card is only accepted at Nordstrom and its related stores for online and in-store purchases. Stores affiliated with Nordstrom include Nordstrom Rack, HauteLook and Trunk Club. This card earns two Nordstrom Rewards points per dollar and carries an interest rate of 23.90% APR.
Nordstrom Visa Platinum Card
The Nordstrom Visa Platinum card offers the same reward benefits as the Nordstrom retail card, plus it’s accepted anywhere that takes Visa. Its Visa Platinum benefits include emergency card replacement and an auto rental collision damage waiver. The Nordstrom Visa Platinum card nets you one reward point per dollar spent at non-Nordstrom locations and carries an interest rate between 11.90% APR to 23.90% APR for Nordstrom purchases, and 15.90% APR to 23.90% APR for other purchases. The APR on this card will vary depending on your credit score.
Nordstrom Visa Signature Card
Customers who apply for the Nordstrom Visa Platinum card are automatically considered for the Nordstrom Visa Signature card. This card has the same interest rate and reward benefits as the Nordstrom Platinum card, but adds special Nordstrom Signature perks like concierge service, roadside assistance, lost luggage reimbursement, travel accident insurance, purchase protection and warranty management service.
Nordstrom credit card is a solid option for consumers who are frequent Nordstrom shoppers who pay off credit cards monthly or buy enough to offset interest charges with rewards.