Can I use my Nordstrom Credit Card anywhere?

The Nordstrom Credit Card does not have a foreign transaction fee. That means that if you use it abroad (or online with vendors that operate outside the U.S.), you won't have to pay anything extra.

That makes it a great travel companion, however, you should keep an eye out for … read full answerdynamic currency conversion. This happens when an overseas merchant offers to convert your credit card transaction from the local currency into U.S. dollars.

You can only use the Nordstrom Store Card at Nordstrom locations, on nordstrom.com and through the Nordstrom catalog (plus the “Rack” equivalents).

However, if you qualify for the Nordstrom Rewards Visa, which usually requires good credit (i.e. a credit score of 700+) for approval, you will be able to make purchases pretty much anywhere.… read full answer

More information can be found in our Nordstrom Credit Card review.

No, you can’t use store credit cards anywhere. They only work at the merchants they’re connected with. For example, the Target Credit Card, is solely for Target purchases. It’s not always one retailer, though. If multiple brands are owned by the same parent company, you should be able to use any one of their store cards for purchases from all of the brands. For instance, you can use the store version of the … read full answerOld Navy Credit Card at Gap, Banana Republic and Athleta in addition to Old Navy. And you can use the Amazon.com Store Card at Hoot.com, Audible.com, Comixology.com along with other Amazon products and services.

What’s confusing is that some credit cards are affiliated with specific retailers but qualify as co-branded cards, not store cards. The difference is that a co-branded credit card belongs to a card network: Visa, Mastercard, American Express or Discover. And it can be used anywhere that network is accepted. So if your card doesn’t have a network logo on it, it’s a store credit card.

Here’s why you can’t use store credit cards anywhere:

• Store credit cards can only be used at the retailers they’re affiliated with, which may include more than one merchant.
• The fact that store cards have limited acceptance is part of the reason they’re easier to get, generally requiring just fair credit for approval.
• Store cards are not the same as co-branded cards. Co-branded cards are associated with a particular company or organization but also belong to one of the four major card networks. So you can use them anywhere that accepts credit cards.
• The visual difference between store cards and co-branded cards is that co-branded cards feature the logo of a credit card network (Visa, Mastercard, Amex, Discover) while store cards do not.

Many retailers actually offer two versions of their cards: one co-branded and another store-only. And there’s often just one application. The issuing bank decides which one you get, if any, based on your credit standing. You’ll generally need good credit or better to get a co-branded card. The Best Buy® Credit Card, for instance, requires good credit or better (700+), but those with at least fair credit (640+) may qualify for the Best Buy® Store Card. You can check your latest credit score for free on WalletHub.