Nordstrom Visa Signature Card Review

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Nordstrom Visa Signature®
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Nordstrom Visa Signature®
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Nordstrom Visa Signature®
  • Intro offer:
    $40 Bonus Note
  • Annual fee:
    $0
  • Regular APR:
    18.90% to 25.90% (Variable)
  • Recommended credit score:
    740-850 (Excellent)
Rewards rate:

3 points per dollar spent with us on your Nordstrom credit card. 1 point per dollar everywhere else Visa® credit cards are accepted

NextAdvisor’s Take

Pros
  • Nordstrom Visa Signature can be used for purchases anywhere, not just at Nordstrom
  • $40 Bonus Note with any purchase on the day you’re approved for the card
  • Influencer status grants access to member perks like free alterations and special sales
  • No annual fee
Cons
  • High variable APR
  • Rewards are only redeemable for Nordstrom purchases
  • Other credit cards may offer more valuable welcome bonuses and flexible rewards
  • Rewards expire after 12 months of account inactivity
The Bottom Line
If you’re a loyal Nordstrom shopper, the Nordstrom Visa Signature Card can help maximize your spending with points rewards, elite status, and benefits through Nordstrom’s loyalty program. Unlike some store cards, it’s also a regular Visa credit card you can use for purchases anywhere, though the card’s limited rewards structure offers little value outside of Nordstrom.

Additional Card Details

  • Automatic Influencer status in The Nordy Club, Nordstrom’s loyalty program (which otherwise requires at least $500 in annual spending)
  • 24/7 customer service
  • No foreign transaction fees
  • Eligible for extra benefits depending on how much you spend with Nordstrom each year (which determines level of Nordy Club status)
  • Free 2-day shipping on Nordstrom.com when you use your card at checkout (available in select cities)
  • Additional travel and purchase protections, depending on whether you qualify for Visa Signature or Visa Platinum versions of the card

Nordstrom Visa Signature Card Full Review

Card Type

This card is a store credit card offering rewards and benefits specifically geared toward Nordstrom shoppers. Unlike some store cards, you can use this Visa card for purchases outside of Nordstrom. 

Annual Fee

This card does not have an annual fee.

Welcome Offer

You can get a $40 Bonus Note when you make any purchase at Nordstrom, Nordstrom.com, or Nordstrom Rack on the day you’re approved. Nordstrom Notes can be redeemed for purchases in store or online at Nordstrom and Nordstrom Rack.

Rewards

This card offers at least 2 points per dollar spent when shopping at Nordstrom, and 1 point per dollar everywhere else. 

You can increase the amount of points you earn when shopping at Nordstrom with this card by increasing your Nordy Club status, which is determined by how much you spend annually at the store. Member ($0 minimum annual spending) and Influencer ($500 minimum annual spending) statuses earn 2 points per dollar, while Ambassador ($5,000 minimum annual spending) and Icon ($15,000 minimum annual spending, using a Nordstrom card) statuses earn 3 points per dollar. By signing up for this card, you’ll automatically be granted Influencer status without needing to meet the minimum spending requirement. 

Your points are only redeemable on Nordstrom purchases (in-store and online, and at Nordstrom Rack, HauteLook, and Nordstrom Trunk Club). Reward points expire after your account has been inactive for 12 consecutive months. 

Fees 

This card has a variable APR of 18.90% to 25.90%. It does not charge any foreign transaction fees. If you’re late on a payment, you’ll be charged a late payment fee up to $40.

How to Use the Nordstrom Visa Signature

The Nordstrom Visa Signature’s $40 Bonus Note welcome bonus is small, but easy to obtain. Apply for your card when you’re already planning to shop at Nordstrom so you can qualify for the bonus by making a purchase on the day you’re approved.

Since the Nordstrom Visa Signature is a regular Visa credit card, you can use it everywhere you shop. But you’ll only earn boosted points at Nordstrom (in store or online), Nordstrom Rack, HauteLook and Nordstrom Trunk Club. For your other everyday spending, you’ll gain much more value with a more flexible rewards option, such as a no annual fee cash back credit card

The points you earn with your card (2x or 3x at Nordstrom and 1x on everything else) are only redeemable for Nordstrom Notes, which you can put toward purchases in stores or online at Nordstrom, Nordstrom Rack, HauteLook, and Nordstrom Trunk Club. Points convert to Nordstrom Notes at a rate of one cent per point. You’ll automatically receive a $10 Note each time you accumulate 1,000 points, or you can download the Nordstrom app to cash in Notes at $5, $10 or $15 increments. 

Your regular rewards Notes expire after your account has been inactive for 12 consecutive months, so remember to use your card or redeem your points at least once every year. It may be difficult to earn meaningful rewards and also put them to use if you don’t shop at Nordstrom regularly. This is different from many non-retail credit card rewards programs, in which points don’t expire as long as your account is open in good standing.

Pro Tip

The Nordstrom Visa Signature Card can be a great tool for saving on Nordstrom purchases. But for your regular, everyday spending (such as groceries, dining, and gas) consider a no annual fee cash back card that offers more flexible rewards.

Beyond points rewards, you can maximize this card’s value by taking advantage of your status in Nordstrom’s Nordy Club. You’ll get automatic Influencer status with the Nordy Club just for being a cardholder, but frequent Nordstrom shoppers can quickly climb to Ambassador status (after spending $5,000 within a year) or Icon status (after spending $15,000 within a year) for even more benefits. But again, don’t fall into a habit of spending more at Nordstrom than you typically would simply to reach one of these higher status levels and risk taking on debt.

Nordstrom Visa Signature Compared to Other Cards

Our Choice
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Nordstrom Visa Signature®

Nordstrom Visa Signature®

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Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

  • Intro offer:
    $150 Amazon Gift Card
  • Annual fee:
    $0
  • Regular APR:
    14.99% to 22.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site See Rates & Fees, Terms Apply.
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Citi® Double Cash Card

Citi® Double Cash Card

  • Intro offer:
    N/A
  • Annual fee:
    $0
  • Regular APR:
    17.74% – 27.74% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site

Is the Nordstrom Visa Signature Right for You?

The Nordstrom Visa Signature is for dedicated Nordstrom shoppers. Trunk Club subscribers and Nordstrom regulars who dedicate much of their annual shopping budget to purchases with the department store will reap the most value from this card. 

Because your points rewards are only redeemable with Nordstrom (in-store and online, and at Nordstrom Rack, HauteLook, and Nordstrom Trunk Club) occasional shoppers will be better off with a more flexible non-retail rewards credit card.

Even if you already frequent Nordstrom stores, be careful not to let your Nordstrom Visa Signature lead to overspending. Take time to ensure your Nordstrom purchases align with your budget and spending plan — and you’re not just spending to earn more rewards or reach a higher Nordy Club status. 

Don’t charge anything to the card you cannot pay off by the time your statement is due, or you’ll be left paying both the balance and any high interest accrued. 

All information about the Nordstrom Visa Signature card and Amazon Prime Rewards Visa Signature Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Frequently Asked Questions

Can I use my Nordstrom Visa Credit Card Anywhere?

The Nordstrom Visa Signature is a regular Visa credit card, so you can use it with any merchant that accepts Visa credit cards worldwide. If you don’t qualify for a Nordstrom Visa card, you may be considered for the Nordstrom credit card, which you can only use for Nordstrom purchases.

Is the Nordstrom Credit Card Worth It?

If you want to earn exclusive benefits at Nordstrom stores and you prefer to redeem rewards for Nordstrom merchandise, then the Nordstrom Visa Signature can add value to your wallet. But if you don’t usually shop at Nordstrom or you want more redemption options (like statement credits, cash, travel, or gift cards), consider a more flexible rewards credit card.

What is a Visa Signature Card?

A Visa Signature card is a type of Visa credit card that comes with cardholder benefits (on top of any issuer benefits you might receive) such as extended warranties, roadside dispatch, auto rental collision damage waiver, and more.