Nordstrom Visa Signature Card

For People with
Fair Credit



The Nordstrom Visa Signature Card is a step up from the regular Nordstrom Card. It could be a good pick for people who spend frequently at Nordstrom.

Using this card at Nordstrom and affiliates will earn you 3X points per dollar, and you’ll earn 2X points per dollar when you use it on dining, entertainment, and travel. You’ll also get a $40 bonus note after you make a purchase on the day you’re approved.

This card has no annual fee or foreign transaction fees.

Where can I use my Nordstrom Visa Signature Card?

This card can be used at Nordstrom, Nordstrom Rack, HauteLook, Trunk Club, and everywhere else Visa is accepted.

Card Quick Facts

Card Quick Facts

  • 3X points per dollar spent in stores or online at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club
  • 2X points per dollar on dining, entertainment and travel
  • 1X point per dollar everywhere else Visa is accepted
  • Free basic alterations on regular-priced items at Nordstrom and Trunk Club that are reimbursed with Nordstrom Notes
  • $20 note to spend every time you earn 2,000 points
  • $40 bonus note when you make a purchase in-store or online with your card on the day you’re approved
  • Get special access to the Clear the Rack sale and get 25% off red-tag clearance items
  • Instant insider status in the Nordy Club
  • Buy online and wait in your car with Curbside Pickup
  • Schedule a personal double points day when you choose and get 2X points on your net purchase in-store or online
  • Access to Beauty & Style workshops
  • No annual fee

For People with
Fair Credit



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Card Details



  • 3X points per dollar spent in stores or online at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club
  • 2X points per dollar spent on:
    • Dining
    • Entertainment
    • Travel
  • 1X point per dollar everywhere else

Introductory Bonus

  • $40 bonus note after first purchase on day of approval
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 13.15%–25.15% Variable at Nordstrom, 17.15%–25.15% Variable Elsewhere
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 32.15% Variable
Late Fee Up to $38
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 29.15% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Benefits change depending on how much you spend. Spending levels are displayed below.

  • Up to $1,999

    Nordstrom Notes: Get a $20 note every time you earn 2,000 points.

    Triple Points Days – 1 day

    Alteration Services: Up to $100 in Nordstrom Notes.

    Holiday Savings

    Anniversary Sale Early Access

  • $2000-4,999 – Same benefits as previous spending levels, plus…

    Triple Points Days – 1 day

    Alteration Services: Up to $100 in Nordstrom Notes.

  • $5000-9,999 – Same benefits as previous spending levels, plus…

    Alteration Services: Up to $300 in Nordstrom Notes.

    Triple Points Days – 3 days

    Exclusive Experiences: Examples include, far-off destinations and behind-the-scenes adventures to exclusive access to top designers.

  • $10,000+ – Same benefits as previous spending levels, plus…

    Alteration Services: Unlimited alterations in the form of credits on your Nordstrom card statement.

    Triple Points Days – 4 days

    VIP Access to In-store Events

  • Curbside Pickup

    Order your items online using the Nordstrom app and pickup your items in your car with Curbside Pickup.

  • $40 Bonus Note

    Make any purchase with your card in-store or online on the day you’re approved and get a $40 Bonus Note.

  • Insider Status

    Enjoy Nordy Club benefits with the Nordy Club insider status once you’re approved.

  • Visa Signature® Concierge Service

    Find tickets to the top sports and entertainment events, make dinner reservations and even get help finding and sending the perfect gift. Just call 1-800-953-7392 to speak with your concierge.

  • Visa Signature Benefits

    This card comes with Visa Signature benefits. You will be provided with a list of benefits available to you once you get approved for your card.

  • Zero Fraud Liability

    You will not be held responsible for unauthorized use of your card (contact customer support immediately if you suspect fraud).

  • Extended Warranty Protection

    Your Amazon Prime Rewards Visa Signature Card extends the time period for U.S. manufacturer’s warranties by an additional year, on eligible warranties of three years or less.

  • Purchase Protection

    Covers your new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.

  • Travel and Emergency Assistance

    Call for legal and medical referrals, or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

  • Auto Rental Collision Damage Waiver

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Roadside Dispatch

    If you have a roadside emergency, like needing a tow or jumpstart, call 1-800-847-2869 anytime for help. Roadside service fees will be provided when you call and will be billed to your card.

  • Travel Accident Insurance

    You’re eligible to receive accidental death or dismemberment coverage of up to $500,000 when traveling by common carrier.

  • Lost Luggage Reimbursement

    Reimbursement for carry-on luggage that is damaged or lost by the carrier. You and your immediate family are covered up to $3,000 per passenger.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 8 reviews
by Denise
Terrible customer service

Read the fine print. When I applied I had an issue and had to call customer service and they the rep was blase and dismissive. He just kept answering me with the same information as if hes reading it from a script. I felt gross after the call. Sounded scammy to me. If you really want a credit card go into your bank and see what they have to offer because Nordstrom isn't worth it and the customer service is awful.

by Elizabeth Eich
Horrible Credit Card . Please check other sites and you will see many bad reviews

The worst credit card ever! They put you on the spot and report you immediately when late payment. No phone call and ather options like pay by phone are available . They put my credit score 38 points just because I forgot to make a payment . I am not planning to use their credit card anymore and just pay the remaining $250 and stop shopping in Nordstrom . There are other department stores too. Very lazy customer service . I spent few thousand dollars there and planning to stop the business with them . It is all about the money not individual approach . So greedy!!!

by Christina
bad Business practices

I love Nordstrom. Or should I say, loved. I have been using the debit rewards program for a few years. A month ago I was checking out and offered a credit card and so I applied. I was offered a 5K limit. This was verbally stated. I then received the card in the mail with a paper that verified this credit limit. After using the card for a few weeks earning points to shop in their stores, i.e. using it at the market and for gas, I created an online account. The account status also verified the credit limit.In six weeks I used almost all of the available credit. And they did not like that. They decided to rescind their agreement and without communicating any change occurred they simply cut the credit limit in half which immediately put my account in an over limit status. They said the limit I was given was a clerical error. Which is a flat out lie.In my experience businesses who respect their customer or need their customer to return will put their foot where their mouth is. If they say the fare is $100 and it was a clerical error, they honor it. But not Nordstrom. When I make an agreement with someone or something, it means I will keep my word. And quite frankly, if I do not, the bank would hold me to it until I do. There is no path for me to force them to keep their word. Therefore this is not a mutual business relationship but a one sided taker relationship. As far as I understand economics, the 18-22% interest is the risk payoff that they earn to keep their part in this relationship.Presently, there is a manufacturer who is producing a sofa because they thought I had money to order it. So did I. Nordstrom decided not to honor their word and they have rescinded the charge a month after it was previously approved. Since I am a woman of my word, I'm going to have to scramble to pay this manufacturer.I will pay the Nordstrom card off in one lump sum and cut it up never to use their banking or reward system again. I won't give takers who do not respect their customer my business. They need to understand that if not for the consumer, they would not exist. Respect your customer.

by RoseyK
As Good As It Gets

One of my go to cards, I have the Nordstrom Signature card and it works perfectly for ANY purchases I make...extremely reliable. I have the lowest interest rate offered which is better than any other store, period. 11.65. I shop at Bloomies, I use my Nordstrom card. Most store cards APR is 25 to 26 percent APR. I do shop there quite a bit so it is a win win for me. EXcellent service best return policy on the market! A great place to Shop and exceptional quality merchandise!

by Annette Wilkinson
Not reliable for non-Nordstrom purchases

They will decline a non-Nordstrom purchase at the drop of a hat, always mouthing the "it's for your protection" line. It doesn't matter if it's for $7 or $700, they will declare it suspicious. It's like they are dictating what I can buy, when, and how much I pay for it. As a result I use other credit cards more, limiting this one to Nordstrom purchases only.

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