Nordstrom Store Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Nordstrom Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate$40 initial rewards bonusQualify with fair creditHigh Regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Nordstrom Store Card has a rating of 3.0/5 according to our proprietary credit card rating system. This rating reflects how appealing Nordstrom Store Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Nordstrom Store Card earned a score of 5.0/5 for Fees, 2.5/5 for Rewards, 2.8/5 for Cost, and 3.4/5 for User Reviews. Info about the Nordstrom Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.4/5
309 reviewsRead and write reviews
Market Comparison
Market Comparison
2.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
2.5
Cost
2.8
Other Features
0.0
2.9/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
32.15% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get $40 off your next purchase when you apply, get approved, and use your card on the same day.
Cardmembers automatically get Influencer status and earn 2 points per $1 spent on all purchases from Nordstrom, Nordstrom Rack and Nordstrom Local, online and in stores.
Get Ambassador and Icon status by spending at least $5,000 per year. Ambassador and Icon status members earn 3 points per $1 spent on all purchases from Nordstrom, Nordstrom Rack and Nordstrom Local, online and in stores.
Get 5% off every Nordstrom Rack purchase. Terms apply.
For every 1,000 points, you'll get a $10 Nordstrom Note.
Enjoy benefits like: Personal Double Points Days, Free Basic Alterations and Priority Access to Style Events.
Receive instant Influencer Status in The Nordy Club.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.4
Market Comparison
2.9
fees: 5.0
rewards: 2.5
cost: 2.8
Other Features: 0.0
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.9
User Reviews
3.3
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.3
rewards: 5.0
cost: 4.3
APR: 3.8
(309)
(230)
(2,942)
annual fee$0
annual fee$0
annual fee$0
rewards rate 2 - 3 points / $1
rewards rate 2% Cash Rewards
rewards rate 1 - 3% Cash Back
bonus offer$40
bonus offer $200 Cash Rewards
bonus offer $200
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro apr0% for 12 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days from account opening, then up to 5% (min $5)
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about Nordstrom Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make Nordstrom Store Card payment online, by phone, by mail or at a store. To pay your Nordstrom Store Card bill online, log in to your online account and click on "Pay Now." Then, choose how much to pay, when to pay it, and where the payment is coming from. Nordstrom does allow cardholders to set up automatic payments, too.
Ways to Make Nordstrom Store Card Payment
Online: Log in to your online account and click on "Pay Now."
By phone: Call (866) 491-7860 and enter your card information when prompted, then follow the prompts to make a credit card payment.
By mail: Send a check or money order (but not cash) to
Nordstrom Card Services PO Box 100135 Columbia, SC 29202-3135.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a store: You can make a payment at any Nordstrom store
In conclusion, there are multiple ways to make a Nordstrom Store Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
The easiest way to apply for the Nordstrom Store Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to TD Bank's website. Alternatively, you can apply in store.
Keep in mind that the Nordstrom Store Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
The Nordstrom Store Card credit score requirement is 640 or higher. That means people with fair credit may have a decent shot at getting approved for the Nordstrom Store Card. You can check your credit score for free here on WalletHub to see if you qualify.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Nordstrom Store Card. Some other key criteria include your income, existing debt load,...
The easiest way to check your Nordstrom Store Card balance is to either log in to your online account or call customer service at (866) 491-7860. You can also check your credit card balance by sending a text message to 85224.
How to Check Your Nordstrom Store Card Balance
Online: Log in to your Nordstrom Store Card online account. From there, you can also pay your bill, set up alerts, and lock or unlock your card.
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.
You can check your Nordstrom Store Card application status by calling 1 (800) 964-1800. When you call, listen to the automated menu and press the key to check your status, then verify your identity so TD Bank can match you to your application. You unfortunately cannot check your Nordstrom Store Card application status online.
How to Check Your Nordstrom Store Card Application Status
You cannot check for Nordstrom Store Card pre-approval. TD Bank does not offer pre-approval for this card through its website, so anyone interested in applying for Nordstrom Store Card will have to do so without the benefit of checking for pre-approval beforehand.
You can, however, use WalletHub's CardAdvisor tool. Just answer a few general questions, and CardAdvisor will recommend some credit card offers based on your responses.
The Nordstrom Store Card does not provide any financing solutions. Only rewards in stores and online at Nordstrom, Nordstrom Rack, HauteLook, and Trunk Club.
You cannot upgrade your Nordstrom Store Card to the Visa version.
These are two separate products that require separate applications. So if you'd like to put your hands on the Nordstrom Visa card, you must apply for it.
Share your insights and review for the Nordstrom Store Card
5
21%
4
28%
3
33%
2
9%
1
10%
3.4
309 reviews
309 reviews
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WalletHub @WalletHub
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4 Star Rating
editor's review
The Nordstrom Store Credit Card is available to people with fair/limited credit and does not charge an annual fee. As such, it’s a great way to invest in your credit standing. This card also offers a decent initial bonus and solid ongoing rewards, at least in percentage terms, giving you a $20 rebate on a purchase of at least $100 the day of account opening and then the points equivalent of 2% back on Nordstrom purchases. Plus, you’ll benefit from free alterations, “triple-points days” and other Nordstrom deals. But it’s important to note that most of that package is easily replaceable by another credit card. So you shouldn’t lose any sleep if you choose to let this offer slip by. And if you’re on the fence about whether to apply, you can learn more from our in-depth Nordstrom Credit Card review: https://wallethub.com/edu/nordstrom-credit-card-review/25965/.
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19
3
Lynn Amato @geckogal2
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1 Star Rating
For security, I have all transactions on my credit cards texted to me instantly upon use, regardless of the amount. For some unknown reason, it takes Nordstrom three days to notify me that my card was used in a transaction. That is absolutely useless if you're trying to avoid fraudulent use! I'd cancel this card, but I have had it for 30 years, and I don't want its cancellation to affect my credit.
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thinla reeves @acrannie8
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1 Star Rating
Nordstrom's credit card is horrible. I had it for years and wish I had never applied for it. Their services, including the rewards program, are not that great. You have to spend more than 2 to 10 thousand to even see points and receive a 20 dollar Nordstrom note. Don't waste your time. There are other companies out there that are much better.
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0
0
mario cruz @Latinbayarea
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1 Star Rating
Please do not open a Nordstrom credit card. This has been the worst experience of my life!
1. The stores cannot tell you what your card balance is, making it very difficult to pay at the store. [very outdated system for 2023?].
2. This has led to several past-due bills. Their unjust and exorbitant fees are $40 each, twice the amount of all my other credit cards.
This has been a nightmare experience.
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Victoria B @victoriab_71
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5 Star Rating
Verified Customer
I love Nordstrom, and their protection plan to make sure no one else is using your credit card. They have the best customer service
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Babak @BabaksJunkMail
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1 Star Rating
Verified Customer
To refresh my closet, among other stores, I purchased about $1000 worth of merchandise from Nordstrom. At each purchase, they kept flashing their card at me to apply and get extra benefits. With GOOD credit and over $25,000 worth of credit on a dozen credit cards, I applied online. I was rejected for their Credit Card but approved for their Store Card with only a $350 limit. I thought the whole thing was stupid since I have several $4000 limit Visa and Master Cards. When I went to the website to confirm some info to activate the card, they wanted me to call their 800 number. At their 800 number, they passed me along to higher ups 3 times before some woman in a sleepy voice told me ok your card is activated now. Haven't had a chance to actually test the card yet but it's already clear this TD Bank USA sucks !!! And ALL the bad reviews from customers who have sent in their payments on-time only to find out this TD Bank USA is NOT posting them so they can charge late fees and interest, don't exactly make me trust this operation. I've had better credit service from Target and Walmart than Nordstrom !
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snipes_lakenya @snipes_lakenya
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1 Star Rating
I have been with Nordstrom for little over a year. I called 2 months prior to inform them that I was having hardship due to the pandemic. I paid a sum of $600 at the end of September or the beginning of October when I spoke to a representative I was told this could be dispersed over two months. In December I received a call for payment which I thought I took care of within the $600 payment. Now I didn’t complain because I had the cash, so I paid the minimum balance. Now here’s my issue I am in the process of buying a home. Nordstrom reported a derogatory claim which caused my credit to drop 116 points.I have never had an issue paying, and I always know to communicate if so. I communicated to all my creditors and the only issue was Nordstrom. When I called to speak to a representative and I asked her why this issue during a pandemic I was told Nordstrom does not offer any accommodation for the pandemic. At that point I asked to speak to a supervisor whose name was Ashley (LAS). Ashley said she pulled the records and that I basically was lying because all here records show otherwise as if Nordstrom’s don’t make mistakes. Well here is where they made a mistake hiring Ashley. Her customer service skill are terrible. She did not want to do further investigation and said basically Nordstrom does not embrace the CARES ACT. My credit was Ruined because of Nordstrom’s lack of proper communication and the choice not to care about what the American people are going through during this COVID Pandemic. I wish I could cancel this card, but I know it would further ruin my credit. Therefore, I will use it as little as possible. I will never shop with them again it's such a sad case. Nordstrom hire or train people who are more sympathetic at this time. Get rid of the Cowboys!
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nls11baggjo @nls11baggjo
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1 Star Rating
Verified Customer
This is one of the credit cards where they want people to spend at convenience so they can charge users with high-interest rates. In terms of the reward, very ordinally compare to much other credit out there. One plus side that they do give a high limit, meanwhile, it also tempts people to spend more.
1, Unlike other store credit cards, very little help was offered during the pandemic. I have cards with BestBuy and other retailers' stores. They all offer to help such as lower the interest rate, no minimum payment required and/or defer payment, etc. However, Nordstrom cards only offer to delay payment for ONE month. Even though I didn't need the help but it showed that the Nordstorm card was made to get people to spend money when they don't have it. So, that the bank can start charging interest off people, rather than to help you earn rewards. Especially during a pandemic where people's help is in need.
2, additionally, they have very little to no communication on what going on in the account. Make sure when you made the payment online and don't have any problem with your bank. Otherwise, a problem can occur without your knowledge. I submitted a monthly payment but for some reason, it didn't go through. Meanwhile, my online account still shows as "payment posted". So I thought it was grit in the system but didn't realize until they reported to my credit bureaus. Therefore affected my 4 years of no late payment record. I called and asked for help but customer service said "we have to report the truth". Nonetheless, I had the same incident with the Vitoria Secret cards and when I called, they helped fix my account. I don't mind paying the late fee but I hate the stain and score drop on my credit report.
3, Horrible customer service. With regard to the above incident, I was in the store for a return and I don't have my card on me so one of the retailers at the store said they can help me call to get my card number. (I still haven't realized what going on with my account at the time) But when called, they were being really ruled and said my card was lock bc of late payment (in front of people) I told them that I did make payment and asked what going but instead of addressing my problem, she just focused on the aspect that I cant used the card bc of the late payment. Quite disappointing on how they handle customer financial outlook.
Update: I changed the bank info to clear out any balance off on this card. I was extra careful since I have so much problem w this card already. But one more time, they didn't update my banking info and charged a $25 fee for a "returned check". I would give this card a negative start if I could. I feel like this card doesn't not only reflects poorly on Nordstrom itself. It's also reflects very badly on the bank it from, TD bank.
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3
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Chelsea Spicer @che1sea
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2 Star Rating
I am really disappointed to have to leave such a poor review. I've been a loyal Nordstrom customer for nearly half my life, and have always appreciated the high level of customer service I've received. I typically never open retail credit cards because my other cards offer such superior benefits, but I finally gave in recently and opened a Nordstrom retail card.
The first month after I opened the card, I paid online using my checking account. I have had this checking account since I was 16 years old and have had the same account number the whole time. So when I received a call from Nordstrom saying I hadn't paid my bill, I was shocked. I had submitted payment for my entire balance. The customer service agent informed me that my payment had been returned because the account number was incorrect. First, I was confused that the payment system showed that I had submitted payment if the number was wrong; I was also frustrated that I had not been notified of that right away, and now they were trying to charge me a return fee. While on the phone, I logged into my Nordstrom account and verified that the account number is indeed correct. I asked to have the return fee reversed, which they did, and asked her to run the payment again. It went through. This exact same thing then happened the next two months. I did not change my account number at any point, yet they kept saying my account "was not found". As someone with a fairly long and robust credit history, I was baffled that it was so difficult to pay them. I have never had a company make it so difficult to pay them. (I have also never had any issues paying my credit card balance from my checking account.)
Already wondering if I had made the right decision in opening this retail card, I gave it another go several months later for Anniversary Sale. My fiance needed a new wardrobe and we both wanted to purchase a few things for wedding activities. The total was significantly more than I had charged to the card previously, and I paid it off in full at the end of the month, just like I had for every other month that I used the card. I tried to use my card again a few days later for an online purchase and I got another error. I called into customer support and was informed that because I submitted such a large payment compared to my first few months, they had placed a TWO WEEK hold on the payment, which has already been deducted (not pending, fully deducted) from my checking account. I would understand 2-3 business days for the transaction to clear, but two weeks is unacceptable, especially since I explained that my payment history actually is very consistent with this, because I always pay my full balance at the end of the month. I simply hadn't purchased very many things the first few months so the balance was relatively low.
I feel there is little to no incentive to shop/spend money/use the retail card. I'm really quite disappointed to have to leave such a poor review, but at this point I am questioning why I even opened this account and will likely go back to using my Capital One or Sapphire Preferred cards moving forward.
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ashimkb @ashimkb
I am not shocked!! I like Nordstrom until I got to know it uses TD Bank. I have personal and business account with this bank. Several times I decided that I will close all my accounts because their unprofessionalism. I moved 90% of finance to different bank. I am at the edge of turn down (TD) this bank. Even though it didn't happen to me! a lots people told me that, it turn down their CC and loan application with fair to good credit. I told them their names says it TD (turn down) bank.
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melissaxstiles @melissaxstiles
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1 Star Rating
I called and spoke to “Richard in California” I told him repeatedly I am locked out of my account online, and just want paper statements mailed to me so I can pay, and make sure they are paid on time.... apparently that’s too hard to understand... he kept repeating himself, not listening to me, and then even said “I mean I can repeat myself again”. Are you kidding me? Damn right I told him you suck at customer service, and hung up...Asshole please change jobs
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