How to Apply for the Nordstrom Rack Credit Card Easily

Want to save money on stylish apparel and home goods? The Nordstrom Rack credit card offers shoppers exclusive discounts and perks. But how do you get one of these cards? Read on to learn everything you need to know about applying for the Nordstrom Rack credit card.


An Introduction to Nordstrom Rack

For the uninitiated, Nordstrom Rack is like a treasure hunt for brand name clothes, shoes, accessories, and home items—all at clearance prices. Shoppers can expect to find designer brands like Kate Spade, Coach, and Calvin Klein at up to 70% off regular retail prices.

Unlike outlets that sell made-for-outlet merchandise, most of the inventory at Nordstrom Rack comes directly from full-line Nordstrom stores. You’ll find last season’s styles, overstock inventory, and returns marked way down. It’s not uncommon to find a $200 pair of designer jeans on sale for $50 or a $400 handbag marked down to $150.

With prices like that, it’s easy to leave Nordstrom Rack with bags full of beautiful things without emptying your wallet. But savvy shoppers know you can save even more money at Nordstrom Rack with the right credit card.

Why the Nordstrom Rack Credit Card Is Worth It

The Nordstrom Rack credit card entitles you to exclusive discounts and perks not available to other shoppers. Here are some of the biggest benefits cardholders enjoy:

  • 4 points per $1 spent on Nordstrom Rack purchases
  • Early access to Clear the Rack sales
  • Additional 25% off Clear the Rack prices
  • Next day alterations at Nordstrom stores
  • $0 intro APR on purchases for 6 months
  • Birthday gifts of at least $20 in Nordstrom notes

For frequent Nordstrom Rack shoppers, those perks can add up to hundreds of dollars saved every year. And the points you earn are good for Nordstrom merchandise too, so you can treat yourself at the higher end stores or with your rewards.

Nordstrom Rack Credit Card Requirements

Don’t worry, the Nordstrom Rack card doesn’t have stringent requirements like some other retail cards. Here’s what you’ll need to apply:

  • Good to excellent credit
    • Preferred FICO scores of 670+
  • Valid Social Security Number
  • Current home address

As long as you have decent credit, you should have no problem getting approved for the Nordstrom Rack credit card. They want to encourage loyal customers to shop more and save more.

Applicants ages 18-20 may need a cosigner for approval. There is no annual fee for the card.

Score Exclusive Savings with the Nordstrom Rack Credit Card – Full Guide For Applying

Nordstrom Rack Credit Card

You have three options for applying for the Nordstrom Rack credit card: in-store, online, or by phone. Here is an overview of each application method:

In Store Application

The easiest way to apply is right at the register on your next Nordstrom Rack shopping trip. Tell the cashier you’d like to apply for the credit card and fill out a quick paper application. You’ll get an instant decision within minutes.

If approved, you can immediately start using your new card for discounts on your purchases that day. They’ll mail your physical card within 7-10 business days.

Online Application

You can also apply conveniently online from your computer or mobile device. Simply go to and click on “Apply Now” under the Credit Cards section.

The online application is fast and paperless. After submitting the secure form, you’ll get an instant decision. If approved, you can print a temporary shopping pass to use your card benefits right away while waiting for your card in the mail.

Phone Application

Call 1-800-964-1800 and select option 3 to speak with a customer service agent about applying over the phone. This method takes a little longer than online or in store applications.

You’ll need to verbally provide your personal info and agree to a credit check. If approved, your card will arrive within 10 business days. You won’t receive a temporary shopping pass when applying by phone.

No matter how you choose to apply, the process only takes a few minutes. It’s quick and easy to start saving with the Nordstrom Rack credit card.

Tips for Getting Approved

Although Nordstrom Rack card approval standards are more lenient than other store cards, there are a few things you can do to boost your chances:

  • Have a FICO score over 700 – The higher your credit score, the better your approval odds. Scores above 700 typically lead to instant approval.
  • Lower credit utilization – Try to keep balances on existing cards under 30% of limits. The lower the better for approval.
  • Limit new credit applications – Each application causes a hard inquiry that can ding your score. Minimize other recent credit applications.
  • Verify current info – Double check the personal details used for your application to avoid issues.

Meeting these criteria indicates to Nordstrom Rack that you are creditworthy and likely to responsibly manage a new account.

Getting the Most from Your Nordstrom Rack Credit Card

Once approved, be sure to take advantage of all the perks and rewards your Nordstrom Rack card offers. Here are some tips to get the most value from the card:

  • Link it to your Nordstrom account to earn and redeem points at Nordstrom stores too.
  • Shop on Bonus Point Days to score extra points on Nordstrom Rack purchases.
  • Check your offers in your account – activate targeted discounts sent to cardholders.
  • Use the early Clear the Rack preview benefit every fall and spring.
  • Set up account alerts to monitor transactions and payment due dates.
  • Pay off balances each month to avoid deferred interest charges.
  • Spend just enough to earn annual Birthday rewards from Nordstrom.

Careful use of the card and rewards can make the Nordstrom Rack shopping experience even more fun and affordable.

Alternative Cards to Consider

The Nordstrom Rack credit card is certainly a great choice for perks. But it’s not the only option. Here are a few other cards to consider:

Nordstrom Visa Credit Card – If you shop at Nordstrom more than Rack, their Visa card offers higher rewards rates and more perks. But you’ll need excellent credit.

Amazon Prime Rewards Visa – Amazon Prime members can earn 5% back on Amazon with this card. It could be a better option for online shoppers.

Target REDcard – Save 5% on every Target purchase with the REDcard. The discount at checkout is easy to earn.

Walmart Rewards Card – Earn cash back rewards to redeem at Walmart with their store card. Approval is relatively easy.

Compare features like rewards rates, bonuses, fees, and discounts to pick the best card for your spending habits.

FAQs About the Nordstrom Rack Credit Card

Still have some questions about the process and policies for the Nordstrom Rack credit card? Here are answers to some frequently asked questions:

What is the interest rate on the Nordstrom Rack card?

Rates range from 24.15% to 29.99% based on your creditworthiness. There is a 0% intro APR on purchases for 6 months.

Can the card be used outside of Nordstrom Rack?

No, the card can only be used for Nordstrom and Nordstrom Rack purchases, in stores or online.

Is there an annual fee?

No, there is no annual fee to have the card.

Can I use Nordstrom Rack rewards at Nordstrom?

Yes! You can link your Nordstrom Rack card to a Nordstrom account and redeem rewards seamlessly.

How do I check my Nordstrom Rack credit card application status?

You can call 1-800-964-1800 anytime for automated status updates on a pending application.

How long do I have to wait to reapply if denied?

If your application is denied, you typically need to wait at least 6 months before reapplying.

Can authorized users get their own cards?

Yes, you can request additional cards for authorized users which function separately.

How do I report my card lost or stolen?

Contact 1-800-964-1800 immediately if your card is lost or stolen to deactivate it.


With this overview, you should now feel confident in applying for the Nordstrom Rack credit card. Just remember to practice responsible use of retail credit and pay balances on time each month. Enjoy exclusive savings on amazing finds with your new Nordstrom Rack card!

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