Nordstrom Visa Signature
TD BankNo annual feeVisa SignatureNo foreign transaction fee
The welcome offer is too small to apply for on its own.
Already have it? Keep it open: it holds a perk or an upgrade path at no cost.
Welcome bonus
$40
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$40 cash | $40 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| First year | $40 |
| Each year after | +$195 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Groceries | 2% |
| 2X | Dining | 2% |
| 2X | Gas | 2% |
| 2X | Streaming | 2% |
| 1X | Everything else | 1% |
+ 3 more rates
| Rate | Category | Return |
|---|---|---|
| 3X | Nordstrom and Nordstrom LocalAmbassador status with $5K+ annual spend | 3% |
| 2X | EV charging | 2% |
| 2X | Nordstrom and Nordstrom LocalInfluencer status | 2% |
Personal card · Earns Nordstrom Notes
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
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Nordstrom CardOct 8, 2026
- changed from null to 0Aug 13, 2026