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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $195
- First-Year Value Estimate
- $40
- Net Value
- +$195
Card type: PersonalForeign transaction fee: NoneCurrency: Nordstrom Notes
Earning Structure
3 points per dollarNordstrom and Nordstrom Local (Ambassador status with $5K+ annual spend)3%
2 points per dollarDining2%
2 points per dollarEV charging2%
2 points per dollarGas2%
2 points per dollarGroceries2%
2 points per dollarNordstrom and Nordstrom Local (Influencer status)2%
2 points per dollarStreaming2%
1 point per dollarAll other purchases1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Protections (7)
- Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption — up to $5,000 — Up to $5,000 per person for non-refundable tickets
- Baggage Loss/Delay — up to $3,000 — Up to $3,000 per trip for lost/stolen/damaged baggage during transit
- Purchase Protection — up to $10,000 — 90 days coverage for damage/theft
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty up to 12 months
- Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for collision damage
- Cell Phone Protection — up to $600 — Up to $600 protection for theft/damage when bill paid with card, $25 deductible
Other Perks
- Early access to sales
- Free basic alterations (Influencer status)
- Up to $200 in Nordstrom Notes for alterations (Influencer) or $300 (Ambassador with $5K annual spend)
- Personal double points days
- 5% instant discount on Nordstrom Rack purchases (replaces point earning at Rack locations, effective June 2025)
- 24/7 Visa Signature Concierge service
- No preset spending limit