Nordstrom Credit Card Worth It?

I am looking to upgrade my fashion wardrobe a bit, especially business professional/business casual (I work in PE and we have a fairly "dressy" culture). I would say I have an okay sense for fashion but not great and Nordstrom anniversary sale is when I do most of my high end shopping.

Is it worth getting the Nordstrom credit card? I would likely spend $500-2,000 every July for the anniversary sale, maybe a couple things throughout the year at Nordstrom/Nordstrom Rack. Might check out the Trunk Club that Nordstrom runs.

Is the pre-access worth it? This is likely the biggest reason to get it for me, not sure if I will spend enough for the gift cards to stack up.

I have good credit - usually bounces between 800-820 whenever I check the report tied to my bank.  I only have two credit cards now so not likely a huge deal to add another one.  I don't travel that much (yet. My portcos are located nearby) so I don't have a hotel/airlines credit card but maybe should look into that. I just have a Visa cashback through my bank and AMEX tied to my Schwab that puts cash into my brokerage.

Any general feedback on men's business professional/casual attire and credit card management are welcome!

Comments (7)

Most Helpful
Jun 23, 2022 - 9:07am
GoingToBeAnMD, what's your opinion? Comment below:

Personally, I have stopped trying to chase down specials like this on individual store cards. Instead, I have simplified my credit choices and I now funnel all of my purchases through as few cards as possible. It makes my life easier and it lets me take advantage of the different ways to avoid paying interest - I absolutely hate paying interest. Here's what I have:

  • Home Depot card because they offer good no-financing offers for when I need big stuff (like appliances) for my house
  • Amazon card. The fact that they'll let you go 6 months on purchases as little as $250 is comical to me. I use that all day
  • My bank's credit card. I have the lowest card my bank offers because they offer 10% off in the company cafeteria and Starbucks. The lunch there is already subsidized and with an additional 10% off, lunch becomes stupid cheap. 
  • Amex Platinum. I use this for everything else. 

That's it, that's all I have. The Amex Membership Rewards still remains as one of the best programs around (as long as you don't want cash) and I just let my points build up there and use it for business class tickets on my flights. 

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  • 6
Jun 29, 2022 - 2:20am
Goras, what's your opinion? Comment below:

Can't really argue with that logic, thank you for the reply.

Jun 23, 2022 - 9:15am
eloquence, what's your opinion? Comment below:

The pre-sale access is not worth it if you're a guy - womens stuff sells out but not really mens. I agree with the above, $500-$2000 doesn't really sound like enough to justify the card.

If I were you I'd skip this and get a points card with a good ecosystem - Amex Gold isn't too bad of a fee with lots of everyday points categories, or one of the Chase Sapphire cards. Better to start racking up some travel points than just Nordstrom Notes.

Array

  • 1
Jun 23, 2022 - 9:20am
PrivateTechquity 🚀GME🚀, what's your opinion? Comment below:

I love it. Highest limit, no fee card I've found with no foreign transaction fees which came in handy during summers traveling abroad. And Nordstrom Rack is a fun spot to find cool digs. I don't use it nearly as much anymore now that I have a Chase Sapphire but it's still good to have in the back pocket in my opinion. 

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  • 1
Jun 30, 2022 - 5:14pm
banking21_, what's your opinion? Comment below:

Female here. Happy to offer some insight into men's fashion. The Nordstrom credit card is great but not sure if it would be worth it in your case since the interest for the card is quite high (so you would need to make sure you pay it off each month in full to avoid paying extra). However, I think you should definitely sign up for The Nordy Club, which is independent from the credit card and you can earn points for each purchase that can get redeemed for cash later.

Also would recommend that you look into other retailers as well like: Saks (which also has great sales), Club Monaco (lots of basic; a bit pricer), Theory, Reiss, and Massimo Dutti (not as expensive).

Hope this helps!

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Jul 6, 2022 - 10:17pm
Goras, what's your opinion? Comment below:

Hmmm, thank you! This is great.

I ended up not getting the CC - I ran the numbers and while I have always paid my credit cards in full, the points/Nordstrom note things didn't seem worth it in my opinion. Weighing the capacity of managing another card.

Random, but do you mind sending links/pictures of men's fashion outfits you particularly like? If you are dealing I will take it!

Jul 7, 2022 - 8:11am
MangoTang, what's your opinion? Comment below:

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