Nordstrom Credit Card Review 2026: Nordy Club Rewards, APR & Is It Worth It?
Quick answer: The Nordstrom credit card (issued by TD Bank) has no annual fee, gives you instant Influencer status in The Nordy Club, and earns up to 3 points per $1 at Nordstrom and Nordstrom Rack depending on your status. The Nordstrom Visa also earns 2 points per $1 on dining, groceries, gas, EV charging and streaming. It's a good fit for loyal Nordstrom shoppers who pay in full, but the APR is high: about 31.9% variable.
Nordstrom's card is less about big cash back and more about perks: faster status in The Nordy Club, bonus points days and early access to the famous Anniversary Sale. Here's how it works and who should get it.
Already a cardmember? See our Nordstrom credit card payment and login guide.
Nordstrom Credit Card at a Glance
| Feature | Details |
|---|---|
| Issuer | TD Bank |
| Versions | Nordstrom Credit Card (store card) and Nordstrom Visa® |
| Annual fee | $0 |
| Nordy Club status | Instant Influencer status for cardmembers |
| Points at Nordstrom & Rack | 1–3 points per $1, based on your Nordy Club status |
| Points outside Nordstrom | Visa only: 2 per $1 on dining, groceries, gas/EV, streaming; 1 per $1 elsewhere |
| Purchase APR | About 31.9% variable |
| Where it works | Store card: Nordstrom, Nordstrom Rack and online. Visa: anywhere Visa is accepted |
Nordstrom Store Card vs. Nordstrom Visa
| Nordstrom Credit Card (store) | Nordstrom Visa | |
|---|---|---|
| Where you can use it | Nordstrom, Nordstrom Rack, nordstrom.com, nordstromrack.com | Anywhere Visa is accepted |
| Points at Nordstrom | Up to 3 per $1 by status | Up to 3 per $1 by status |
| Dining, groceries, gas, streaming | Not usable | 2 points per $1 |
| Everything else | Not usable | 1 point per $1 |
| Approval | Easier | Needs stronger credit |
TD Bank decides which version you get based on your credit.
How Nordy Club Rewards Work
- Instant Influencer status as a cardmember, which normally requires spending $500 a year.
- Higher statuses earn more: Ambassador and Icon cardmembers earn 3 points per $1 at Nordstrom.
- Points turn into Nordstrom Notes you can spend at Nordstrom and Nordstrom Rack.
- Personal Double Points Days each year and early access to the Nordstrom Anniversary Sale.
Who benefits most: people who already shop at Nordstrom or Nordstrom Rack several times a year. Early Anniversary Sale access alone is the main reason many shoppers open the card.
APR and Fees
| Fee | Amount |
|---|---|
| Annual fee | $0 |
| Purchase APR | About 31.9% variable |
| Late payment fee | Up to $41 |
| Foreign transaction fee (Visa) | Check your card agreement |
At 31.9% APR, a $600 balance costs about $190 a year in interest, far more than the rewards. Treat this card as a pay-in-full card.
How to Apply and Approval Odds
Apply online at Nordstrom.com, in the Nordstrom app or at any Nordstrom or Nordstrom Rack store. There's no published minimum credit score:
- Nordstrom Visa: usually requires good credit (around 670+).
- Store card: easier to get with fair credit.
Applying causes a hard inquiry. If your credit needs work, start with our list of the best credit cards for bad credit.
Pros and Cons
| Pros | Cons |
|---|---|
| No annual fee | High APR (about 31.9%) |
| Instant Nordy Club Influencer status | Rewards are Nordstrom Notes, not cash |
| Early access to the Anniversary Sale | Best value only for frequent Nordstrom shoppers |
| Works at Nordstrom Rack too | Store version can't be used elsewhere |
| Visa earns 2x on dining, groceries and gas | 1 point per $1 elsewhere is average |
Our Verdict: Is the Nordstrom Credit Card Worth It?
Yes, if you shop at Nordstrom or Nordstrom Rack regularly, love the Anniversary Sale and always pay in full. The status boost and early access are valuable perks with no annual fee. No, if you rarely shop there or carry a balance: a flat cash-back card will earn more, and the interest will erase any rewards.
Compare other department store cards: Macy's, Belk and Dillard's, or the T.J. Maxx card.
Frequently Asked Questions
Can I use my Nordstrom card at Nordstrom Rack?
Yes. Both the store card and the Visa work at Nordstrom Rack and earn Nordy Club points there.
Who issues the Nordstrom credit card?
TD Bank issues both the Nordstrom Credit Card and the Nordstrom Visa.
Does the Nordstrom card have an annual fee?
No. Both versions have a $0 annual fee.
Can I use my Nordstrom card anywhere?
Only the Nordstrom Visa. The store card works only at Nordstrom and Nordstrom Rack stores and websites.
How do I cancel my Nordstrom card?
Pay the balance and call the number on the back of your card. Before you do, read how to cancel a credit card without hurting your credit.
Updated September 2026. Sources: Nordstrom's official Nordy Club and Nordstrom Visa benefits pages and published 2026 card terms. Rates and rewards can change; check the current terms before applying. Store Card Guide is not affiliated with Nordstrom or TD Bank. This article is for information only and is not financial advice.
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