What Nordstrom Pay is and how it works
Nordstrom Pay is a payment option that lets you use your Nordstrom credit card to make purchases at Nordstrom stores and online at Nordstrom.com. When you check out, you select Nordstrom Pay as your payment method, and the charge goes to your Nordstrom card account. You then pay your Nordstrom card bill the same way you would any other credit card — by the due date each month.
Nordstrom Pay is not a separate account or a buy-now-pay-later service. It is straightforward the name Nordstrom uses for paying with your Nordstrom credit card during checkout. If you do not yet have a Nordstrom card, you can open one in-store, online, or through the Nordstrom app before you can use Nordstrom Pay.
The card itself comes in two versions: the Nordstrom Card (for Nordstrom purchases only) and the Nordstrom Visa Card (which works anywhere Visa is accepted). Both versions allow you to use Nordstrom Pay at Nordstrom locations.
Key Takeaways
- Nordstrom Pay is straightforward paying with your Nordstrom credit card at checkout — it is not a separate payment plan or financing option.
- You can open a Nordstrom card online, in-store, or through the Nordstrom app, and you must have one before you can use Nordstrom Pay.
- Your Nordstrom Pay purchases appear on your monthly Nordstrom card statement and are due by your regular payment due date.
- The Nordstrom Card works only at Nordstrom, while the Nordstrom Visa Card can be used at any retailer that accepts Visa.
- You manage your Nordstrom Pay account through the Nordstrom website, mobile app, or by calling Nordstrom customer service.
Opening a Nordstrom credit card
To use Nordstrom Pay, you first need a Nordstrom credit card. You can open one online at Nordstrom.com by going to the credit card section, in a Nordstrom store by asking a sales associate, or through the Nordstrom mobile app. The online process takes about 10 minutes and asks for your name, address, Social Security number, income, and employment information.
Nordstrom will run a credit check to decide whether to approve you. You will receive a decision when ready or within a few business days. If approved, your card ships to your address within 7 to 10 business days. Once you receive it, you can set up it through the Nordstrom website or app and begin using Nordstrom Pay right away.
If you open a card in-store, you may be able to use it for your purchase that same day with a temporary card number, even before the physical card arrives. Ask the associate whether this option is available at your location.
How to pay with Nordstrom Pay online and in-store
At Nordstrom.com, add items to your cart and proceed to checkout. On the payment page, select "Nordstrom Card" or "Nordstrom Visa Card" (whichever you hold) as your payment method. Enter your card number, expiration date, and CVV if prompted, then complete your order. Your purchase posts to your Nordstrom card account when ready.
In a Nordstrom store, tell the cashier you want to pay with your Nordstrom card. Hand over your physical card or provide your card number if you are paying by phone. The transaction processes the same way as any credit card purchase and appears on your next statement.
If you use the Nordstrom app to shop, you can save your Nordstrom card information in your account so checkout is faster. Tap your saved card at payment and your order is placed.
Managing your Nordstrom card account and payments
Log into your Nordstrom card account at Nordstrom.com or through the Nordstrom app to view your balance, statement, and payment due date. You can pay your bill online, by phone, by mail, or in-store. Online and through the app are the fastest methods — payments usually post within one business day.
To pay online, log in to your account, select "Make a Payment," and enter the amount you want to pay. You can pay in full or make a minimum payment. If you carry a balance, Nordstrom charges interest on the unpaid amount at the card's annual percentage rate (APR), which varies based on your creditworthiness and current market rates.
Set up automatic payments through your account if you want your bill paid on the same date each month. This helps you avoid late fees and keeps your account in good standing. You can change or cancel automatic payments anytime through your account settings.
Nordstrom card rewards and benefits
The Nordstrom Card and Nordstrom Visa Card both earn rewards on purchases. Cardholders earn points on every dollar spent, and points can be redeemed for Nordstrom Notes (certificates you use like cash at Nordstrom). The exact earning rate and redemption value vary, so check your card's current terms on Nordstrom.com or in your welcome materials.
Cardholders also receive early access to Nordstrom sales, birthday rewards, and free shipping on online orders. The Nordstrom Visa Card offers additional benefits when used outside Nordstrom, such as cash back or points on purchases at other retailers — check your card agreement for the specific rate.
These rewards and benefits are included with your card at no extra cost. You earn them automatically when you use your card, whether you pay in full each month or carry a balance.
What happens if you miss a payment or carry a balance
If your payment is late, Nordstrom charges a late fee (the amount depends on your card terms) and may report the late payment to credit bureaus, which can lower your credit score. If you miss a payment, pay as soon as you can to limit the damage. Contact Nordstrom customer service if you are having trouble making a payment — they may be able to work with you on timing or a payment plan.
If you carry a balance month to month, interest accrues daily on the unpaid amount at your card's APR. Paying more than the minimum each month reduces the interest you pay over time. If you are carrying a large balance, focus on paying it down before opening new charges.
Your Nordstrom card account is reported to the three major credit bureaus (Equifax, Experian, and TransUnion). Paying on time and keeping your balance low helps build a positive credit history.
Frequently Asked Questions
Can I use Nordstrom Pay at other stores besides Nordstrom?
Only if you have the Nordstrom Visa Card, which works anywhere Visa is accepted. The regular Nordstrom Card works only at Nordstrom stores and Nordstrom.com. Check which version you have on your card or in your account.
What is the difference between the Nordstrom Card and the Nordstrom Visa Card?
The Nordstrom Card is a store card that works only at Nordstrom. The Nordstrom Visa Card is a Visa credit card that works at Nordstrom and anywhere else Visa is accepted. Both earn rewards at Nordstrom, but the Visa Card may offer different benefits for purchases outside Nordstrom.
How long does it take to receive my Nordstrom card after I open one?
Physical cards ship within 7 to 10 business days after approval. If you open your card in-store, you may receive a temporary card number to use when ready. Online approvals are usually when ready or within a few business days.
Can I change my Nordstrom card payment due date?
Contact Nordstrom customer service to request a due date change. They can move your payment date to better match your pay schedule or other bills. Call the number on the back of your card or visit Nordstrom.com for contact options.
What should I do if I think there is a fraudulent charge on my Nordstrom card?
Call the number on the back of your card right away to report it. Nordstrom will investigate the charge and may issue a temporary credit while they look into it. Do not pay the disputed amount until the investigation is complete.