nordstrom rewards card how to apply

The Nordstrom DEBIT CARD – Earn points while you shop!

I’m a very loyal fan of the Nordstrom brand. Their products are top notch, their service is beyond excellent, and their return policy is just mind blowingly generous. They guarantee satisfaction with all their products which has made them a leading high-end retailer. They will take back anything (with tags and receipt) even if it is worn! They even honor a 2 week price adjustment if your product happens to go on sale! This makes Nordstorm one of my most favorite stores to shop at.

On my recent visit to the local Nordstrom, a Customer Service Agent (CSA) informed me of their Nordstrom Debit Card. I am not a fan of signing up for more plastic cards that I have to stuff into my wallet. With some time to kill, I dug further to see if it was worth my time and effort.

What is the Nordstrom Debit Card?

The Nordstrom debit card is one of the card options in the Nordstrom cardholder family. It is an option for Nordstrom customers who may not want another credit card but instead a card that links to your existing personal checking account at your current banking institution. At the same time, the card allows your to take advantage of the benefits of Nordstrom’s Fashion Rewards when shopping at Nordstrom, Nordstrom Rack, and online at If you don’t want to go into the store or can’t wait until your next Nordstrom visit, you can also apply online.

How do you get a Nordstrom debit card?

The process is very easy! Just approach a CSA at any Nordstrom or Nordstrom Rack store and ask them to open one up for you. You will need your bank routing and account number. I have online banking so I was able to access my account information from my Android phone. You can also provide a voided check if that is convenient for you. Once approved (which happens in a matter of minutes), you automatically become a Fashion Rewards member and will start earning rewards points towards Nordstrom Notes® that day. Customers who spend $100 or more on their Nordstrom debit card the same day they are approved will also receive a bonus $20 Nordstrom Note in the mail. After you are approved, you will be given a bar code which works as a scannable debit card until your actual Nordstrom Debit Card arrived in the mail between 5-7 business days.

What are the perks of having a Nordstrom Fashion Rewards card?

Fashion Rewards members receive a $20 Nordstrom Note in the mail each time you reach 2,000 rewards points. Who doesn’t love free money??? Notes are redeemable anywhere in Nordstrom stores, including Nordstrom Spas, restaurants, coffee bars, Nordstrom Rack and Only one Nordstrom Note can be used per online order.

In addition to earning rewards points towards Nordstrom Notes (redeemable for merchandise and/or services in Nordstrom stores), there are a number of other benefits that Nordstrom Fashion Rewards members receive depending on what level you are on.

Fashion Rewards is a four-level program based on your purchases on your Nordstrom debit card. The more you shop, the more you earn in benefits! Depending on the level you achieve, you may be eligible for complimentary alterations, access to concierge service, access to purchase exclusive style experiences, private shopping parties, and an invitation to a Private Holiday Shopping Party. Early Access to pre-shop the anticipated Anniversary Sale is available for all levels of Fashion Rewards members! To see more information regarding card holder perks, click here.

nordstrom rewards card how to apply

Point Hacking!

Bonus Points Events occur throughout the year and allow Fashion Rewards members to earn rewards points two to three times as fast for their purchases made on their Nordstrom debit cards at Nordstrom or Make sure you receive their e-mails regarding the triple and double point events. They usually occur during the Half Yearly sales for men and women. Even though the sale pertains to a specific department, purchases made from ANY department will qualify for those bonus points!

Customer Returns on a Nordstrom Debit Card

nordstrom rewards debit cardReturns using a Nordstrom debit card are no different than returns using other debit cards. When you make a return using your Nordstrom debit card, the funds are credited back to the linked personal checking account. The only drawback is that it takes a bit longer if you process the refund using your Nordstrom Debit Card. The CSA advised that I use my actual debit card from my banking institution to make the returns because fees will be credited immediately. Additionally, if more than one return (or purchase) is made on the same day to the Nordstrom debit card, you will see the total sum of the returns in your bank statement. So don’t be alarmed when you see a single large purchase on your billing statement! It might be multiple purchases that were made that day.

I highly recommend everyone who shops at Nordstrom often to get a Nordstrom Debit Card.

Nordstrom Rewards bonus

UPDATE: Now you can earn points when you sign up using your email or phone number. This makes earning points more appealing when you can pay using any form of payment that works best for you. This a great way to grow Nordstrom’s customer base and allow people to use credit cards that will earn points or cash back through a different credit provider.

Happy shopping!

For more fitness fashion discounts and deals, please visit my Fitness Instructor Discounts + Brands page.

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    1. Great question Jill! I haven’t experienced fraud using my Nordstrom debit card but they make announcements RE fraud through their Fraud Protection alerts page. You can also contact them to resolve any mis-appropriated charges to your debit account and they would conduct an investigation to resolve the issue.

      Contact page:

      Fraud Alerts:

      If I ever experience it I will contact them first hand and let you know the results.

  2. Wait so if I return a purchase It will take longer to be credited to my checking account? My husband just informed me that nordstoms took payment when I had a 46 dollare credit from a return on a nordstrums Debit card! I better not be charged any fees! When I signed up they said it was just like using my debit card for checking! Ill be calling you tomorrow cause money was taken out when there was a credit of 46 dollars On it and the transaction was 32.00 I should be in the you owe me not you take when you should credit!

    1. if you return the purchase you should try returning it to your debit card/banking card, not back to your nordstrom debit card. if you use a bank debit card it will automatically be debited in your bank account (if you use your pin # during the transaction). usually you do not get charged fees for using a nord debit card. If your linked bank account is negative balance then your bank will charge your overdraft fees. that’s all i can think that would happen.

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