The Nordstrom Credit Card and Nordstrom Visa Signature Card are both issued by TD Bank USA, N.A. While the cards carry Nordstrom branding, all financial operations including credit decisions, billing, payments, and customer service are handled by TD Bank.
TD Bank USA has issued Nordstrom cards since 2015, and the two companies extended their partnership again in November 2022. The store only card can be used exclusively at Nordstrom and Nordstrom Rack, while the Visa Signature version can be used anywhere Visa is accepted. Apply at nordstrom.com or in any Nordstrom store.
Nordstrom is an upscale American department store chain headquartered in Seattle, Washington. It partners with TD Bank USA to offer private label and co branded credit products tied to its Nordy Club loyalty program.
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Who Issues the Nordstrom Credit Card?
TD Bank USA, N.A., serviced by its affiliate TD Bank, N.A., is the issuing bank for both the Nordstrom Credit Card and the Nordstrom Visa Signature Card. TD first acquired the Nordstrom card portfolio in 2015.
This means when you apply for a Nordstrom card, TD Bank runs the credit check, makes the approval decision, sets your credit limit, and manages all ongoing account activities. If you have a question about your balance, a payment, or a charge, you contact TD Bank, not Nordstrom.
You can log in to manage your Nordstrom card account through the TD Bank hosted portal linked from the Nordstrom website. The phone number on the back of the card connects you directly to TD Bank customer service for Nordstrom cardholders.
What Are the Nordstrom Credit Card Options?
Nordstrom offers a store only Credit Card usable at Nordstrom and Nordstrom Rack locations, along with a Nordstrom Visa Signature Card that can be used anywhere Visa is accepted.
Both cards earn points toward the Nordy Club loyalty program, with the Visa Signature version also earning points on purchases made outside of Nordstrom and Nordstrom Rack.
Neither card charges an annual fee. Both offer early access to the Anniversary Sale and other cardholder exclusive shopping events throughout the year.
How Long Has TD Bank Issued the Nordstrom Card?
TD Bank USA first became the Nordstrom card issuer in 2015, and the two companies signed a multi year extension announced in November 2022, keeping TD Bank as the issuer through an initial term running into 2026, according to the official TD Bank announcement.
Because that term falls within the current year, cardholders should watch for any newer renewal announcement, though no issuer change has been reported as of this writing.
Nordy Club members also unlock early access to the popular Anniversary Sale based on their card tier, which is one of the most requested perks among frequent Nordstrom shoppers.
Nordstrom Card Vs Macy’s Card: How Do They Compare?
Nordstrom and Macy’s Credit Card are both major department store cards, but they are issued by different banks, TD Bank for Nordstrom and Citibank for Macy’s, which affects how billing and support work behind the scenes.
Both retailers offer a store only version and a broader network branded version, giving shoppers a choice between narrower store specific benefits and wider everyday usability.
Loyalty program structures also differ, with Nordstrom rewards tied to its Nordy Club program, while Macy’s uses its own separate Star Rewards tier system.
What Credit Score Do You Need for the Nordstrom Card?
The store only Nordstrom Credit Card typically requires fair to good credit, while the Nordstrom Visa Signature Card, being a more versatile general purpose card, usually requires good to excellent credit for the best approval odds.
Applying triggers a hard inquiry on your credit report, which may temporarily lower your score by a few points. Checking for a prequalification option before applying can give you a sense of your approval odds without a hard pull.
Cardholders who shop primarily at Nordstrom Rack rather than full price Nordstrom stores still earn the same rewards rate, since both banners are covered under the same card program.
Frequently Asked Questions
Is the Nordstrom Credit Card issued by Citibank?
No. The Nordstrom Credit Card is issued by TD Bank USA, N.A., not Citibank. TD Bank has issued Nordstrom cards since 2015 and extended its partnership again in November 2022.
Can the Nordstrom Credit Card be used anywhere?
The store only Nordstrom Credit Card can only be used at Nordstrom and Nordstrom Rack. The Nordstrom Visa Signature Card, however, can be used anywhere Visa is accepted, which is the key difference between the two card options.
How can I talk to Nordstrom Credit Card customer service?
For all credit card account questions including payments, billing, and disputes, contact TD Bank directly using the phone number on the back of your card, or visit the official TD Bank website for general contact information.
What’s the Nordstrom Credit Card payment address?
Mailed payments should be sent to TD Bank at the address printed on your monthly statement, since Nordstrom accounts are processed through a dedicated TD Bank payment center. Always confirm the current address on your latest statement before mailing a payment.
What are the requirements to get the Nordstrom credit card?
Applicants generally need to be at least eighteen years old, have a valid Social Security number, a US mailing address, and enough income to cover monthly payments, along with fair to good credit for the best approval odds. A full breakdown of what issuers typically look for is covered by the Consumer Financial Protection Bureau.
How do I make a Nordstrom Credit Card payment?
Nordstrom cardholders can pay online through the TD Bank hosted account portal, through the TD Bank mobile app, by mail using a check sent to the address on the statement, or in person at any Nordstrom store register.
How do I make a Nordstrom Credit Card payment by phone?
Cardholders can call the number on the back of their card to reach the automated TD Bank payment line and make a Nordstrom Credit Card payment by phone, and a live representative is also available during business hours for help completing the payment.
I am Jack Neel, a mechanical engineer, researcher, and writer. I created this website to share my knowledge about different brands and products with you. I research the manufacturers behind the brands and provide you with the information you need to make smart buying decisions.