Nordstrom Credit Card

This is a Nordy Club play first and a card second: 3 points per $1 at Nordstrom and Nordstrom Rack, with the Visa version adding 2x on dining and transit and 1x elsewhere. The loyalty perks (early sale access, points toward Nordstrom Notes) only pay off if you actually spend at Nordstrom regularly, so a general cash-back card wins for anyone who shops there twice a year. Drop $1,500/yr in-store and you'll bank around 4,500 points plus tier perks; the same money on a 2% card is just $30 cash with no strings. No annual fee, but check whether you're approved for the store-only or full Visa version on the issuer's site, since the everyday earning differs.

Nordstrom Credit Card at a glance

Rewards & perks

• Points cash out as Nordstrom Notes
• Get in early on the Anniversary Sale and similar events
• Complimentary basic alterations once you reach higher Nordy Club tiers

Pros

• Carries no annual fee
• Dependable Nordstrom rewards and member perks
• The Visa edition can be used at any merchant

Cons

• Rewards can only be redeemed at Nordstrom
• The store version carries a high APR
• Pays off most for shoppers who visit Nordstrom often

Who should apply

• A credit score in the good range
• A Nordy Club account
• Income adequate to back the credit line

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Nordstrom site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.