Understanding the Nordstrom Credit Card: Top 8 Features You Should Know

Jan 27, 2024 By Susan Kelly

Nordstrom is renowned not only for its high-quality goods and impeccable customer service but also for its versatile credit card. The Nordstrom credit card, offered in collaboration with TD Bank, brings a host of benefits tailored to the lifestyle and shopping habits of the frequent Nordstrom shopper. With features ranging from rewards points on every purchase to early access to sales and events, the Nordstrom credit card is designed to enhance the shopping experience and provide real value to its users. In this guide, we will delve into the top 8 features of the Nordstrom Credit Card that you should be aware of, enabling you to make an informed decision on whether this card is right for you.

What is the Nordstrom Credit Card?

The Nordstrom credit card is a store-branded credit card that can be used for purchases at any Nordstrom location, including Nordstrom Rack, online at nordstrom.com and in-store at Nordstrom-owned restaurants. The card is issued by TD Bank USA, N.A., and is available in two versions - the basic Nordstrom Retail Card and the more exclusive Nordstrom Visa Signature Card. Both versions offer various benefits and rewards, but the Visa Signature card has additional perks like travel insurance and extended warranty protection.

Top 8 features of Nordstrom Credit Card

1. Nordy Club Rewards

Every Nordstrom Credit Card holder automatically becomes a member of the Nordy Club - Nordstrom's loyalty and rewards program. As a club member, you earn points every time you make a purchase using your Nordstrom Credit Card. For every dollar you spend, you earn three points. These points can later be converted into Nordstrom Notes, which can be redeemed for future purchases. This means that the more you shop, the more rewards you gain, making this feature a considerable advantage for frequent Nordstrom shoppers.

2. Early Access to Sales and Events

One of the most coveted features of the Nordstrom Credit Card is the privilege of early access to sales and special events. Cardholders get a head start when it comes to Nordstrom's biggest sale of the year - the Anniversary Sale. This early access allows cardholders to snag their favorite items before they go on general sale. Similarly, throughout the year, Nordstrom holds several special shopping events exclusively for its credit card members. These events not only offer substantial discounts but also provide opportunities to earn bonus reward points. This feature amplifies the shopping experience, making the Nordstrom Credit Card an enticing proposition for shopaholics everywhere.

3. Personal Double Points Days

As a Nordstrom Credit Card holder, you get to choose your own personal 'double points' day throughout the year. On this day, every purchase made using your card earns double the points, accelerating your journey towards Nordstrom Notes redemption. This feature is especially beneficial for big-ticket purchases like designer handbags or shoes that can accumulate significant points quickly.

4. No Annual Fee

Unlike many other store-branded credit cards, the Nordstrom Credit Card does not charge an annual fee. This means that you can enjoy all the perks and benefits without having to worry about any hidden charges or fees. However, this feature is limited to the basic Retail Card version - the Visa Signature card has an annual fee of $25.

5. Exclusive Alterations Benefits

One unique feature of the Nordstrom Credit Card is its exclusive alterations benefits for cardholders. You receive complimentary basic alterations on any clothes purchased with your card at any Nordstrom or Nordstrom Rack store. This includes hemming, sleeve adjustments, and waistband alterations, among others. This perk is especially useful for those who frequently purchase clothing from Nordstrom and want to ensure a perfect fit.

6. Special Travel Benefits

The Nordstrom Visa Signature card offers several travel benefits, making it an ideal choice for frequent travelers. These include access to airport lounges worldwide through LoungeKey, exclusive hotel discounts, and complimentary rental car insurance. Cardholders also earn three points for every dollar spent on travel purchases, making it an attractive option for those who love to shop while traveling.

7. Extraordinary Experiences

As a Nordstrom Visa Signature cardholder, you have access to unforgettable experiences such as backstage concerts and VIP packages at exclusive events. These extraordinary experiences are curated by Nordstrom in partnership with Visa and offer unique opportunities to its cardholders. This feature adds an extra element of excitement and exclusivity, making the Nordstrom Visa Signature card a highly coveted credit card.

8. Contactless Payment

In today's fast-paced world, contactless payments have become increasingly popular due to their convenience and speed. The Nordstrom Credit Card is equipped with contactless payment technology, allowing you to make purchases with just a tap of your card at participating merchants. This feature makes checkout faster and more efficient, enhancing the overall shopping experience for Nordstrom Credit Card holders.

How to Apply for Nordstrom Credit Card?

If you are interested in applying for the Nordstrom Credit Card, you can do so online or in-store at any Nordstrom location. The application process is straightforward, and upon approval, your card will be mailed to you within 7-10 business days. To apply, you must be a U.S. resident and have a valid social security number. You can also apply for the Nordstrom Visa Signature card if you have excellent credit and meet additional criteria.


The Nordstrom Credit Card offers numerous benefits and features that cater to the specific needs and preferences of its users. From rewards points on every purchase to exclusive access to sales and events, this card is designed to make shopping at Nordstrom a delightful experience. With no annual fee and personalized double points days, the Nordstrom Credit Card provides excellent value for money. Whether you are a frequent shopper at Nordstrom or an avid traveler, this credit card has something to offer for everyone. Consider these top eight features when deciding whether the Nordstrom Credit Card is right for you. So, apply now and start enjoying the exclusive perks and benefits of being a Nordstrom Credit Card holder!

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