Credit Cards

CREDIT CARD  
EMPLOYEE CARD APPLICATION DISCLOSURES

Nordstrom Credit Card APR, Fee, and Other Important Information p. 1 
Nordstrom Visa® Credit Card APR, Fee, and 
Other Important Information p. 2 
Cardholder Agreement p. 3–14
Nordstrom Bank Privacy Notice p. 15–16

REWARDS INFORMATION

Nordstrom Rewards Cardholder Terms and Conditions p. 17–23

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, 
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: 
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s 
license or other identifying documents. 

NORDSTROM CREDIT CARD ACCOUNT OPENING DISCLOSURE TABLE, APR, FEE, AND OTHER IMPORTANT INFORMATION 

Interest Rates and Interest Charges

Annual Percentage Rate  
(APR) for 
Nordstrom Purchases 

Penalty APR and When  
It Applies

23.90% This APR will vary with the market based on the Prime Rate.

30.90%
This APR will vary with the market based on the Prime Rate.
This APR may be applied to your account if your minimum payment is not received within 60 days of your due date.
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your 
entire balance by the due date each month. 

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from  
the Consumer Financial  
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Penalty Fees 
      • Late Payment
      • Returned Payment

None

Up to $38. 
Up to $25.

How We Will Calculate Your Balance: We use a method called “daily balance.” See your Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.

Notice to Members of the Armed Forces and Their Dependents: Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. See your Cardholder Agreement for more details. You may also call 888.246.8731.

Notice: We may report information to credit bureaus about this account with respect to all approved applicants and all authorized users. Late payments, missed 
payments, or other defaults on this account may be reflected in your credit report and that of your authorized user’s credit report. If you do not want the status 
of this account to be reported to your authorized user’s credit bureau file, do not list an authorized user.

The information about the costs of the card described in this application and the enclosed Credit Card Agreement are accurate as of June 15, 2017. This information may 
have changed after that date. To find out what may have changed, call us at 1.800.964.1800 or write to us at P.O. Box 13589, Scottsdale, AZ 85267.

Nordstrom Bank is a trade name of Nordstrom fsb, a wholly owned subsidiary of Nordstrom, Inc.

When you submit a credit card application, you are applying for a Nordstrom credit card issued by Nordstrom Bank. In some instances applicants may qualify for a  
Nordstrom retail card, as well as either a Nordstrom Visa Platinum card or Nordstrom Visa Signature card. In that case the applicant may choose which credit card product 
they would like. In other instances, applicants may qualify for only the Nordstrom retail credit card. The credit card product(s) Nordstrom Bank offers will be based on your 
creditworthiness. The Visa Signature and Platinum cards have the same terms and conditions; however, the Visa Signature card comes with added Visa Signature benefits 
explained at visasignature.com.

Please turn the page for the Nordstrom Visa Credit Card APR, Fee and Other Important Information.

08/17

 
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, 
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: 
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s 
license or other identifying documents. 

NORDSTROM VISA PLATINUM® AND NORDSTROM VISA SIGNATURE® ACCOUNT OPENING DISCLOSURE TABLE APR, FEE AND OTHER IMPORTANT INFORMATION 

Interest Rates and Interest Charges

Annual Percentage Rate  
(APR) for 
Nordstrom Purchases 

11.90% to 23.90% when you open your account, based on your creditworthiness. After that, your APR will vary with the 
market based on the Prime Rate. The APR assigned to your account for Nordstrom Purchases will be printed on the temporary card 
you receive when you open your account.

APR for 
Non-Nordstrom Purchases

15.90% to 23.90% when you open your account, based on your creditworthiness. After that, your APR will vary with the 
market based on the Prime Rate. The APR assigned to your account for Non-Nordstrom Purchases will be printed on the temporary 
card you receive when you open your account.

APR for Cash Advances

27.90%
This APR will vary with the market based on the Prime Rate.

Penalty APR and When  
It Applies

30.90%
This APR will vary with the market based on the Prime Rate.
This APR may be applied to your account if your minimum payment is not received within 60 days of your due date.
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your 
entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from  
the Consumer Financial  
Protection Bureau

Fees

Annual Fee

Transaction Fees 
      • Cash Advance

Penalty Fees 
      • Late Payment
      • Returned Payment

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer  
Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

None

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Up to $38. 
Up to $25.

How We Will Calculate Your Balance: We use a method called “daily balance.” See your Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.

Notice to Members of the Armed Forces and Their Dependents: Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. See your Cardholder Agreement for more details. You may also call 888.246.8731.

Notice: We may report information to credit bureaus about this account with respect to all approved applicants and all authorized users. Late payments, missed 
payments, or other defaults on this account may be reflected in your credit report and that of your authorized user’s credit report. If you do not want the status 
of this account to be reported to your authorized user’s credit bureau file, do not list an authorized user.

The information about the costs of the card described in this application and the enclosed Credit Card Agreement are accurate as of June 15, 2017. This information may 
have changed after that date. To find out what may have changed, call us at 1.800.964.1800 or write to us at P.O. Box 13589, Scottsdale, AZ 85267.

Nordstrom Bank is a trade name of Nordstrom fsb, a wholly owned subsidiary of Nordstrom, Inc.

When you submit a credit card application, you are applying for a Nordstrom credit card issued by Nordstrom Bank. In some instances applicants may qualify for a  
Nordstrom retail card, as well as either a Nordstrom Visa Platinum card or Nordstrom Visa Signature card. In that case the applicant may choose which credit card product 
they would like. In other instances, applicants may qualify for only the Nordstrom retail credit card. The credit card product(s) Nordstrom Bank offers will be based on your 
creditworthiness. The Visa Signature and Platinum cards have the same terms and conditions; however, the Visa Signature card comes with added Visa Signature benefits 
explained at visasignature.com.

Please turn the page for the Nordstrom Bank Cardholder Agreement.

08/17

 
NORDSTROM BANK CARDHOLDER AGREEMENT; 
CONSUMER DISCLOSURES; NORDSTROM REWARDS TERMS 
AND CONDITIONS (NORDSTROM EMPLOYEES)

In this Nordstrom Bank Cardholder Agreement; Consumer Disclosures; 
Nordstrom Rewards Terms and Conditions the term “Nordstrom Bank” 
includes its successors and assignees. Nordstrom Bank is a trade name of 
Nordstrom fsb, a wholly owned subsidiary of Nordstrom, Inc. Throughout the 
Nordstrom Bank Cardholder Agreement; Consumer Disclosures; Nordstrom 
Rewards Terms and Conditions, which includes the terms and conditions 
governing Credit Card Accounts, together with the “Credit Card Billing Rights 
Notice,” and the “Nordstrom Rewards Terms and Conditions,” collectively 
will be referred to as the “Agreement.” As used in Parts I and II of the 
Agreement, the terms “I,” “my,” and “me,” “you,” and “your” mean each 
person who has signed or otherwise submitted an application or other forms 
when opening or requesting a Nordstrom Bank credit card account (each 
individually a “Nordstrom credit card account,” “Nordstrom Visa Platinum,” 
Nordstrom Visa Signature,” or collectively, the “Credit Card Account”) and 
each person who is liable to pay Nordstrom Bank for amounts owed under 
the Credit Card Account. As used in Parts I and II of the Agreement, the terms 
“we,” “our,” and “us” mean Nordstrom Bank. By applying for and using 
a Nordstrom credit, you acknowledge and agree that you are providing, 
and you direct the recipient to provide, information from your application 
(and updates you provide to this information) to both Nordstrom Bank for 
its banking purposes, and to Nordstrom, Inc. (“Nordstrom”) for its retail 
purposes.

Part I of this Agreement sets forth the general terms and conditions 
applicable to all Credit Card Accounts. Part II of this Agreement provides 
consumer disclosure statements addressing  Credit Card Accounts Billing 
Rights Summary. 

PART I — CREDIT CARD ACCOUNTS TERMS AND CONDITIONS 

1. ACCEPTANCE OF AGREEMENT.

This Agreement governs the use of my Nordstrom Credit Card Account. 
I have read and kept this Agreement for my records. The application I 
signed or otherwise submitted (including the accompanying federal and 
state notices) and the card carrier sent with my Credit Card Account are 
part of and are incorporated into this Agreement. My signature on the 
application I submitted requesting a credit card represents my signature 
on this Agreement and each use of the Credit Card Account confirms my 
agreement to the terms and conditions stated in this Agreement, as they may 
be amended from time to time. This Agreement begins on the earlier of the 
date that my application is approved, or the date that I am allowed to use my 
Credit Card Account, as evidenced by a signed sales slip, memorandum, or 
otherwise. If my application is approved and I am issued a credit card, I agree 
to pay all amounts owed under this Agreement. 

2. CHANGE IN TERMS.

Subject to the governing law (provision described below in Part I, paragraph 
8 of this Agreement), (a) Nordstrom Bank has the right to change any term 
of this Agreement at any time, including, without limitation, any Annual 

Percentage Rate, any other rates and fees, and may add or delete fees and 
other provisions relating to my Credit Card Account, and to the nature, 
extent and enforcement of the rights and obligations I may have under 
this Agreement; and (b) the change may be applied to any amount owed in 
connection with my Credit Card Account at the time of the change. Subject to 
applicable law, I will be given written notice before the effective date of any 
such change. 

3. PROMISE TO PAY. 

I agree to pay in U.S. Dollars for all purchases and cash advances, (including 
applicable Interest Charges for Credit Card Accounts) and Fees (as defined in 
paragraphs 20 and 21 of Part I, below) incurred by me or anyone I authorize 
or permit to use my Credit Card Account or credit card, even if I do not notify 
Nordstrom Bank that others are using my Credit Card Account or credit 
card. All checks must be drawn on funds on deposit in the United States. If 
my Credit Card Account is a joint account, all cardholders agree to be liable 
individually for the entire amount owed on the Credit Card Account. We 
can accept late payments or partial payments or checks and money orders 
marked “payment in full” without losing our right to receive the full amount 
owing on your Credit Card Account or any of our other rights under this 
Agreement. I understand that I may pay the unpaid balance in whole, or in 
part, at any time. I agree to address all communications concerning disputed 
debts, including instruments tendered as full satisfaction of debt, to the 
following address: Nordstrom Bank, P.O. Box 13589, Scottsdale, AZ 85267.  

4. AUTHORIZED USERS. 

I understand and agree that if I authorize or permit other persons to use my 
Credit Card Account, Nordstrom Bank will be unable to determine whether 
any particular purchase charged to my Credit Card Account by an authorized 
user was in fact authorized by me or made for my benefit, and I specifically 
agree that I will pay for all purchases charged to my Credit Card Account 
by an authorized user, whether or not such purchases were specifically 
authorized by me or made for my benefit. If I want to cancel the authorized 
or permitted use of my Credit Card Account by another person, I must call 
1.800.964.1800, or provide written notification to Nordstrom Bank at P.O. Box 
13589, Scottsdale, AZ 85267, and recover and destroy any such credit card in 
such person’s possession.  

5. LOST OR STOLEN CARDS.

If any credit card is lost or stolen, or if I think that someone is using my 
Credit Card Account or credit card without my permission, I will immediately 
call 1.800.964.1800, or provide written notification to Nordstrom Bank at P.O. 
Box 13589, Scottsdale, AZ 85267. 

6. MISREPRESENTATION.

In the event that any information given to Nordstrom Bank in connection with 
my application or any future transaction involving my Credit Card Account 
is false or misleading, Nordstrom Bank reserves the right to terminate this 
Agreement and take any and all legal action available under applicable law. 

7. CANCELLATION.

For any reason not prohibited by applicable law and with only such notice 
as is required by law, Nordstrom Bank has the right at any time to terminate 

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my Credit Card Account and this Agreement as it relates to future purchases 
or cash advances, or to limit or cancel my Credit Card Account and credit 
card privileges. I may terminate this Agreement, by providing notice to 
Nordstrom Bank in writing and destroying my credit card(s). Termination of 
this Agreement, or any limitation or cancellation of my Credit Card Account 
or credit privileges, will not affect my liability with respect to all outstanding 
balances, and I will still be responsible for paying any outstanding balance 
or other amounts I owe according to the terms of this Agreement. Nordstrom 
Bank specifically reserves the right to close my current Credit Card Account 
based on the delinquency of any of my other Credit Card Accounts. 

8. GOVERNING LAW; ENFORCEABILITY.

I understand that this Agreement, each term of this Agreement, and any 
amendment to this Agreement are governed by and construed in accordance 
with United States federal law and the laws of the state of Arizona (without 
regard to any Arizona conflict of law principles). For example, for Credit Card 
accounts, this Agreement is made in Arizona and credit is extended to me 
from Arizona, so the Credit Card terms of this Agreement are governed by 
Arizona law, regardless of where I reside or where I use my account.

I agree that if a dispute arises and I file suit against Nordstrom Bank, service 
of process may be made only at Nordstrom Bank’s main office in Scottsdale, 
Arizona. If any part of this Agreement becomes unenforceable, it will not 
make any other part of this Agreement unenforceable.

For Maryland residents with a Credit Card Account, to the extent federal law 
and the laws of the State of Arizona do not apply, this Agreement is governed 
by Title 12, Subtitle 9 of the Maryland Commercial Law Article.

9. RESERVATION OF RIGHTS.

We reserve the right not to assess part or all of any fee or other amounts, or 
not to exercise any other of its rights under this Agreement, and, by doing 
so, we will not have waived our right to assess such fee or other amounts 
or exercise other rights under this Agreement in the future. We reserve the 
right to reject, or refuse to accept, payments or credits, for any reason, 
including based on the frequency or amount of the transaction, or as set 
forth in Part I, paragraph 16, below. 

10. CREDIT REPORTING; INACCURATE INFORMATION.

I hereby authorize Nordstrom Bank at its discretion to furnish information 
concerning my Credit Card Account to consumer reporting agencies and 
others who may properly receive such information. I may provide written 
notification by writing to Nordstrom Bank at P.O. Box 13589, Scottsdale, 
AZ 85267, if I believe Nordstrom Bank has information about me that 
is inaccurate, or that Nordstrom Bank has reported or may report to a 
consumer reporting agency information about me that is inaccurate. 

11. AUTHORIZATIONS.

Some purchases made with my Credit Card Account will require prior 
authorization, and I may be asked to provide identification. If our 
authorization system is not working, we may not be able to authorize a 
transaction, even if your Credit Card Account has sufficient available credit. 
Nordstrom Bank will not be liable to me if any of these events happen. 
Nordstrom Bank is not responsible for the refusal of anyone to accept or 
honor my credit card.  

12. ASSIGNMENT.

I may not sell, assign, or transfer my Credit Card Account without first 
obtaining Nordstrom Bank’s prior written consent. Nordstrom Bank may sell, 
assign or transfer my Credit Card Account and Nordstrom Bank’s rights under 
this Agreement without prior notice to me.  

13. USE OF CARD.

I understand and agree that I may use my Credit Card Account only for 
personal, family and household purposes, and I may not use my Credit Card 
Account for any illegal purpose. Joint account holders shall have the right to 
use the Credit Card Account to the extent of any available credit limits. 

14. CHANGE OF RESIDENCE.

If I move, I agree to promptly notify Nordstrom Bank of my new address by 
calling 1.800.964.1800, or by writing to Nordstrom Bank at P.O. Box 6555, 
Englewood, CO 80155. 

15. TELEPHONE COMMUNICATIONS.

Nordstrom Bank treats all customer calls as confidential per Nordstrom 
Bank’s Privacy Notice. You agree that we, and our representatives on our 
behalf, may monitor and/or record your calls for quality assurance and other 
appropriate purposes, unless, at the commencement of each telephone 
conversation, you advise the representative assisting you that you do not 
wish the call to be monitored and/or recorded. You authorize us and our 
representatives to make telephone calls to you or send you text messages at 
any telephone number you have given to us and our representatives or from 
which you have telephoned, including, without limitation, cellular or mobile 
phones. You authorize us and our representatives to make such telephone 
calls and/or leave prerecorded messages, using automatic telephone 
dialing devices at any telephone number you have given to us and our 
representatives, for any purpose related to your Credit Card Account. 

16. MONTHLY PAYMENTS.

Each month, I agree to pay at least the Minimum Payment Due shown on 
my monthly billing statement no later than the payment Due Date shown 
on the monthly billing statement. The Minimum Payment Due is the sum of 
the Current Due and any past due amount. The Current Due is calculated as 
shown under Paragraph 17, below (“MINIMUM MONTHLY PAYMENTS”), and may 
include “Fees.” I may at any time pay more than the Minimum Payment Due, 
or pay off my entire Credit Card Account balance in full without incurring any 
additional charge. All payments must be mailed or delivered to Nordstrom 
Bank at the address shown on my monthly billing statement. Any payment 
received by Nordstrom Bank at this address after 5:00 p.m. Mountain 
Standard Time (Arizona) on any business day will be credited to my Credit 
Card Account on the next business day. I must include my payment stub, and 
not send cash. If any payment does not conform to these requirements, the 
payment may not be credited to my Credit Card Account for up to five (5) 
days, or may be rejected. I understand that a credit may not be treated as a 
payment and will not satisfy the Minimum Payment Due, and that there may 
be a delay in the posting of a credit on my Credit Card Account.

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17. MINIMUM MONTHLY PAYMENTS.

The Current Due each month will be the greater of $38 or the sum of all 
Interest Charges and Fees imposed during the current billing cycle plus 1% of 
my New Balance, rounded to the next higher whole dollar amount; provided, 
that if the New Balance shown on my monthly billing statement is less than 
$38, the Current Due will be my New Balance.

18. SPECIAL PAYMENT OPTIONS.

From time to time Nordstrom Bank may reduce my Annual Percentage Rate 
or interest charge, or allow me to take advantage of other options that may 
be made available. We may end the special payment option and apply the 
Penalty APR if your minimum payment is not received within 60 days of your 
due date. Qualifying promotional balances are included in the calculation of 
your minimum payment due. Other restrictions and details of these special 
programs will be provided to me at the time they are offered.

19. INTEREST CHARGES.

A. Balance Categories.

Interest charges are calculated separately for Purchases and Cash Advances. 
“Purchases” are purchases of goods or services from a Nordstrom or other 
merchant location. “Cash Advances” are advances from an automated 
teller machine (ATM); through a convenience check, home banking, a 
financial institution, casino, hotel, or similar location; by making a wire 
transfer, balance transfer, or bill payment; by acquiring a money order, 
traveler’s check, lottery ticket, casino chip, or similar item; or other similar 
transactions.

Interest Charges will be calculated separately for Nordstrom and Non-
Nordstrom Purchases. “Nordstrom Purchases” are purchases I make using 
my Nordstrom retail or Nordstrom Visa card at Nordstrom locations, 
including Nordstrom full-line stores, Nordstrom Rack stores, nordstrom.
com, nordstromrack.com, HauteLook, through Nordstrom catalogs and for 
purchases of Nordstrom gift cards through CashStar®. “Non-Nordstrom 
Purchases” are purchases I charge to my Nordstrom Visa card that are not 
Nordstrom Purchases. I understand at this time the Nordstrom retail credit 
card cannot be used to make purchases at Nordstrom stores located in 
Canada.

In this Agreement, a separate balance for Nordstrom Purchases, Non-
Nordstrom Purchases or Cash Advances is sometimes called a “Balance 
Category.” My billing statement may show a single calculation of interest 
charges for multiple Balance Categories if the same Annual Percentage Rate 
applies to the Balance Categories.

B. When Interest Charges Begin to Accrue on Purchases.

My due date is at least 25 days after the close of each billing cycle. In order 
to be eligible for a grace period on Purchases for the current billing cycle, 
I must pay my New Balance in full by the payment Due Date shown on that 
billing statement. If I do not pay the entire amount of the New Balance by 
that date, there will be an interest charge on each Purchase from the date 
the Purchase is made. For purposes of this paragraph 19.B, Nordstrom Bank 
will consider credits to my Credit Card Account resulting from an exchange 
or return of a Purchase included in my Previous Month’s New Balance only 

when determining whether I have paid the entire New Balance shown on my 
monthly billing statement by the payment Due Date.

C. When Interest Charges Begin to Accrue on Cash Advances.

There is no “grace period” for Cash Advances. The interest charge on any 
Cash Advance begins on the date of the transaction. This paragraph 19.C only 
applies to Credit Card Accounts that have a Cash Advance feature. 

D. Daily Balance Method for Computation of the Balances Subject to 
Interest Charges.

The interest charge is figured by applying the periodic rate (as described 
below in paragraph 19.E) to the “daily balance” of my account for each day 
in the billing cycle. To get the “daily balance” of a Balance Category, we 
take the beginning balance of that Balance Category each day, add any new 
transactions or charges and subtract any credits or payments (or portions 
thereof) that are applicable to that Balance Category. This gives us the daily 
balance for each Balance Category.

Each day’s interest charge on a Balance Category is added to the daily 
balance of that Balance Category to get the beginning balance for the next 
day and will be part of the Balance Category on which future interest charges 
are assessed until paid. The total interest for a billing cycle is equal to the 
sum of the daily interest for each day in the billing cycle.

Late Payment Fees and/or Return Payment Fees are prorated and allocated 
to the Balance Categories based on the balances of my Balance Categories 
on the day I incurred the Late Payment Fee or Return Payment Fees. 
Miscellaneous fees will be added to my Nordstrom Purchase Balance 
Category on the day I incurred the fee.

We will round daily interest charge calculations for a Balance Category 
to the nearest whole cent. If I paid in full the New Balance shown on my 
previous month’s billing statement by the specified payment Due Date, we 
will consider your daily balance of Nordstrom Purchases and Non-Nordstrom 
Purchases to be zero for each day of the current month’s billing cycle. A 
credit balance on a Balance Category is considered to be zero for purposes 
of calculating the balance subject to interest charges. 

E. Interest Charge Rates.

The Daily Periodic Rate for a Balance Category is determined by dividing the 
ANNUAL PERCENTAGE RATE for the Balance Category by 365. The ANNUAL 
PERCENTAGE RATE for a Balance Category is determined by adding a 
percentage rate (called a “Margin”) to the Prime Rate for a billing cycle.

The ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) for a Balance 
Category may vary from billing cycle to billing cycle if the Prime Rate for a 
billing cycle changes. The “Prime Rate” is the highest prime rate published in 
the “Money Rates” section of The Wall Street Journal print edition on the 15th 
day of a month, or the next business day if the 15th is not a business day. The 
Prime Rate for a billing cycle is the Prime Rate most recently available as of 
the beginning of the billing cycle.

Any change in the ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) will 
take effect on the first day of the next billing cycle following a change in 
the Prime Rate and will apply to any outstanding balance on my Credit Card 
Account. If the ANNUAL PERCENTAGE RATE (and Daily Periodic Rate) increases, 
the amount of the interest charges and the Current Due may increase.

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The ANNUAL PERCENTAGE RATES that may apply to a Balance Category 
are the “Standard ANNUAL PERCENTAGE RATES” for the Balance Category 
(described in paragraph 19.F) and the “Penalty ANNUAL PERCENTAGE RATE” 
(described in paragraph 19.H). 

F. Standard ANNUAL PERCENTAGE RATES.

Nordstrom Credit Card Accounts. 

The Standard ANNUAL PERCENTAGE RATE for Nordstrom Purchases is the 
Prime Rate plus a Margin of 19.65 percentage points. As of June 15, 2017, 
this ANNUAL PERCENTAGE RATE was 23.90% (Daily Periodic Rate of 
0.06548%).

Nordstrom Visa Platinum and Nordstrom Visa Signature Accounts.

The Standard ANNUAL PERCENTAGE RATE(S) that apply to Purchases are 
based on my creditworthiness and described below in Tiers I through IV. 
Nordstrom Bank will tell me the Standard ANNUAL PERCENTAGE RATE(S) that 
apply to Nordstrom Visa Platinum or Nordstrom Visa Signature before I use 
my account.

Tier I Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom 
Purchases is the Prime Rate plus a Margin of 7.65 percentage points. As of 
June 15, 2017, this ANNUAL PERCENTAGE RATE was 11.90% (Daily Periodic 
Rate of 0.03260%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases 
is the Prime Rate plus a Margin of 11.65 percentage points. As of June 15, 
2017, this ANNUAL PERCENTAGE RATE was 15.90% (Daily Periodic Rate of 
0.04356%).

Tier II Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom 
Purchases is the Prime Rate plus a Margin of 11.65 percentage points. As of 
June 15, 2017, this ANNUAL PERCENTAGE RATE was 15.90% (Daily Periodic 
Rate of 0.04356%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases 
is the Prime Rate plus a Margin of 15.65 percentage points. As of June 15, 
2017, this ANNUAL PERCENTAGE RATE was 19.90% (Daily Periodic Rate of 
0.05452%).

Tier III Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom 
Purchases is the Prime Rate plus a Margin of 15.65 percentage points. As of 
June 15, 2017, this ANNUAL PERCENTAGE RATE was 19.90% (Daily Periodic 
Rate of 0.05452%).

The Standard ANNUAL PERCENTAGE RATE for Non-Nordstrom Purchases 
is the Prime Rate plus a Margin of 19.65 percentage points. As of June 15, 
2017, this ANNUAL PERCENTAGE RATE was 23.90% (Daily Periodic Rate of 
0.06548%).

Tier IV Accounts: The Standard ANNUAL PERCENTAGE RATE for Nordstrom 
Purchases and Non-Nordstrom Purchases is the Prime Rate plus a Margin 
of 19.65 percentage points. As of June 15, 2017, this ANNUAL PERCENTAGE 
RATE was 23.90% (Daily Periodic Rate of 0.06548%). 

G. Cash Advance ANNUAL PERCENTAGE RATE.

The Cash Advance ANNUAL PERCENTAGE RATE is the Prime Rate plus a Margin 
of 23.65 percentage points. As of June 15, 2017, this ANNUAL PERCENTAGE 

RATE was 27.90% (Daily Periodic Rate of 0.07644%). This paragraph 19.G 
only applies to Credit Card Accounts that have a Cash Advance feature.

H. Penalty ANNUAL PERCENTAGE RATE.

If I do not pay at least the Minimum Payment Due by the payment Due Date 
shown on my monthly billing statement for two consecutive billing cycles, 
my Credit Card Account will be subject to a Penalty ANNUAL PERCENTAGE 
RATE (rather than a Standard ANNUAL PERCENTAGE RATE). A notice on my 
billing statement will reflect the date when this change will be effective. The 
Penalty ANNUAL PERCENTAGE RATE will apply to any outstanding balance 
and all future transactions on my Credit Card Account. The Penalty ANNUAL 
PERCENTAGE RATE is the Prime Rate plus a Margin of 26.65 percentage points. 
As of June 15, 2017, this ANNUAL PERCENTAGE RATE was 30.90% (Daily 
Periodic Rate of 0.08466%).

I. Minimum Interest Charge.

A minimum interest charge of $0.50 will be assessed on my Credit Card 
Account for any billing cycle in which an interest charge of less than $0.50 
is due. 

20. CASH ADVANCE FEE.

For each Cash Advance on my Credit Card Account (including advances to 
me directly or to someone else at my direction), Nordstrom Bank will assess 
a Cash Advance Fee in an amount equal to 5% of the amount of the Cash 
Advance or $10, whichever is greater. This paragraph 20 only applies to Credit 
Card Accounts that have a Cash Advance feature. 

21. PENALTY FEES. 

A. Late Payment Fee.

My Credit Card Account will be subject to a Late Payment Fee of up to $38 for 
any late or missed Minimum Payment Due. 

B. Returned Payment Fee.

If any payment on my Credit Card Account (such as a check, draft, or similar 
instrument, or any electronic fund transfer) is uncollectible or is dishonored 
for any reason, Nordstrom Bank may charge me and I agree to pay a 
Returned Payment Fee of up to $25. Nordstrom Bank may assess this fee 
the first time any one of my payment(s) is not honored or paid, even if such 
payment is later paid following resubmission. Nordstrom Bank does not have 
to attempt to collect any payment more than once. 

22. CREDIT LIMIT.

I agree that Nordstrom Bank may establish credit limits and that my credit 
purchases and cash advances at any one time will not exceed my credit 
limits. I will be advised of my initial credit line at the time I receive my credit 
card. I agree that Nordstrom Bank may change my credit line from time 
to time based upon Nordstrom Bank’s evaluation of changes in my credit 
capacity. If I exceed my credit line, Nordstrom Bank has the right to refuse 
further purchases or advances, and to suspend or cancel my account under 
the terms of this Agreement. Nordstrom Bank will identify any subsequent 
changes to my credit line on my periodic billing statements.

9

10

23. AVAILABLE CREDIT.

Maine Residents:

After a payment or credit is posted to my Credit Card Account, or after 
Nordstrom Bank learns my payment has been dishonored and attempts to 
resubmit my payment, it may take up to 21 days before my total available 
credit is restored in an amount equivalent to the payment or credit amount. 
For example, if I pay my account balance in full, it may take up to 21 days 
after my payment is made before that payment is considered in determining 
the amount I can borrow on my account.

24. APPLICATION OF PAYMENTS.

Unless otherwise required by applicable law, Nordstrom Bank will apply 
payments up to the Minimum Payment Due, to amounts owing on my 
Credit Card Account in the following order: interest charges, fees, old cash 
advances, old purchases (when applicable, to Purchase Balance Categories 
with higher Standard ANNUAL PERCENTAGE RATES first), new cash advances, 
and new purchases (when applicable, to Purchase Balance Categories with 
higher Standard ANNUAL PERCENTAGE RATES first). Nordstrom Bank will apply 
payments in excess of the Minimum Payment Due to amounts owing on my 
Credit Card Account in a manner specified by federal law. 

25. DEFAULT.

Subject to applicable law, Nordstrom Bank may, at its option, declare me to 
be in default if I fail to comply with any provision of this Agreement, including 
failing to make a required payment when due or exceeding my Credit Card 
Account credit limit, or if I file for bankruptcy or am otherwise insolvent, or 
if Nordstrom Bank determines, in its sole discretion, that the prospect of 
payment on my Credit Card Account has become significantly impaired. If I 
am in default, (a) unless otherwise prohibited by applicable law, Nordstrom 
Bank may require that I pay the entire balance on my account immediately, at 
any time, even though Nordstrom Bank did not require me to pay the entire 
balance on any previous occasion when I was in default, and (b) I will pay 
all collection costs, including reasonable attorneys’ fees and legal costs, if 
Nordstrom Bank refers my Credit Card Account for collection to an attorney 
other than a salaried employee of Nordstrom Bank or the holder of the 
account, to the extent not prohibited by applicable law. Balances in default 
on my Credit Card Account may be set-off against any credit balances on any 
of my other Nordstrom Bank Credit Card Account(s). 

26. CURRENCY CONVERSION RATE.

If a charge or cash advance made outside of the U.S. is converted into U.S. 
Dollars, Visa will select either (1) a rate from the range of rates available 
in wholesale currency markets for the applicable central processing date, 
which rate may vary from the rate Visa itself receives, or (2) a government-
mandated rate in effect for the applicable central processing date.

STATE-SPECIFIC INFORMATION

California Residents:

If you are married, you may apply for credit in your own name.

Florida Residents:

I agree that, should Nordstrom Bank obtain a judgment against me, a portion 
of my disposable earnings may be attached or garnished (paid to Nordstrom 
Bank by my employer), as provided by Florida and federal law.

11

We may obtain a consumer report in connection with your application for 
credit. You may ask whether a consumer report was obtained by us, and we 
will tell you the name and address of the consumer reporting agency, if a 
report was obtained.

New Hampshire Residents:

I understand that reasonable attorneys’ fees will be awarded to me if I prevail 
in any action or suit brought by Nordstrom Bank. Also, if I successfully assert 
a partial defense or counterclaim to an action brought by Nordstrom Bank, 
the court may withhold from Nordstrom Bank the entire amount or such 
portion of the attorneys’ fees as the court considers equitable.

New Jersey Residents:

Because certain provisions of this Agreement are subject to governing 
law, they may be void, unenforceable or inapplicable in some jurisdictions. 
None of these provisions are void, unenforceable or inapplicable within New 
Jersey. 

New York Residents:

New York residents may contact the New York State Department of Financial 
Services by telephone or visit its website for free information on comparative 
credit card rates, fees, and grace periods. New York State Department of 
Financial Services: 1.800.342.3736 or http://www.dfs.ny.gov.

Ohio Residents:

The Ohio laws against discrimination require that all creditors make credit 
equally available to all creditworthy customers and that credit reporting 
agencies maintain separate credit histories on each individual upon request. 
The Ohio Civil Rights Commission administers compliance with this law.

Rhode Island and Vermont Residents:

A consumer credit report may be ordered in connection with this application, 
or subsequently for purposes of review or collection of the account, 
increasing the credit line on the account, or other legitimate purposes 
associated with the account. If you are a Vermont resident, you consent to 
the obtaining of such reports by signing or otherwise submitting a credit 
application. 

Wisconsin Residents:

No provision of a marital property agreement, a unilateral statement under 
section 766.59 Wis. Stats, or a court decree under section 766.70 Wis. Stats. 
adversely affects the interest of the creditor unless the creditor, prior to the 
time credit is granted, is furnished a copy of the agreement, statement, or 
decree, or has actual knowledge of the adverse provision when the obligation 
to the creditor is incurred. Married Wisconsin residents must furnish their 
account number, and spouse’s name and address to Nordstrom Bank at P.O. 
Box 13589, Scottsdale, AZ 85267.

NOTICE TO MEMBERS OF THE ARMED FORCES AND THEIR DEPENDENTS

The following important notice applies if you are a member of the Armed 
Forces or a dependent of one at the time your account is established. 

12

Federal law provides important protections to members of the Armed Forces 
and their dependents relating to extensions of consumer credit. In general, 
the cost of consumer credit to a member of the Armed Forces and his or her 
dependent may not exceed an annual percentage rate of 36 percent. This rate 
must include, as applicable to the credit transaction or account: the costs 
associated with credit insurance premiums; fees for ancillary products sold 
in connection with the credit transaction; any application fee charged (other 
than certain application fees for specified credit transactions or accounts); 
and any participation fee charged (other than certain participation fees for a 
credit card account). 

If you would like more information, please call 888.246.8731.

PART II — CONSUMER DISCLOSURE STATEMENTS

CREDIT CARD ACCOUNTS 

Your Billing Rights: Keep This Notice For Future Use 

This notice contains important information about your rights and our 
responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there was an error on your statement, write to us at: 

Nordstrom Bank 
P.O. Box 13589 
Scottsdale, AZ 85267

In your letter, give us the following information: 

•  Account information: Your name and account number.

•  Dollar amount: The dollar amount of the suspected error.

•  Description of problem: If you think there is an error on your bill, describe 

what you believe is wrong and why you believe it is a mistake.

You must contact us: 

•  Within 60 days after the error appeared on your statement.

•  At least 3 business days before an automated payment is scheduled, if you 

want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if 
you do we are not required to investigate any potential errors and you may 
have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or 

explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as 

delinquent on that amount.

•  The charge in question may remain on your statement, and we may 

continue to charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible 

for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen: 

• 

• 

If we made a mistake: You will not have to pay the amount in question or 
any interest or other fees related to the amount.

If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you 
owe.

If you receive our explanation but still believe your bill is wrong, you must 
write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are 
questioning your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 
of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased 
with your credit card, and you have tried in good faith to correct the problem 
with the merchant, you may have the right not to pay the remaining amount 
due on the purchase. 

To use this right, all of the following must be true:

1.  The purchase must have been made in your home state or within 100 
miles of your current mailing address, and the purchase price must 
have been more than $50. (Note: Neither of these is necessary if your 
purchase was based on an advertisement we mailed to you, or if we 
own the company that sold you the goods or services.)

2.  You must have used your credit card for the purchase. Purchases made 
with cash advances from an ATM or with a check that accesses your 
credit card account do not qualify.

3.  You must not yet have fully paid for the purchases. 

If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at:

Nordstrom Bank 
P.O. Box 13589 
Scottsdale, AZ 85267

While we investigate, the same rules apply to the disputed amount as 
discussed above. After we finish our investigation, we will tell you our 
decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent.

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14

Nordstrom Bank Privacy Notice 

Rev. 06/17

FACTS

WHAT DOES NORDSTROM BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

What?

How?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all  
sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice  
carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:
•  Social Security number and income
•  account balances and payment history
•  transaction history and credit history

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the  
reasons financial companies can share their customers’ personal information; the reasons Nordstrom Bank chooses to share; and whether  
you can limit this sharing. 

Reasons we can share your personal information

Does Nordstrom Bank share?

Can you limit this sharing? 

For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and 
legal investigations, or report to credit bureaus

For our marketing purposes – 
to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes –
information about your transactions and experiences

For our affiliates’ everyday business purposes – 
information about your creditworthiness

For nonaffiliates to market to you

Yes

Yes

No

Yes

No

No

No

No

We don’t share

No

We don’t share

We don’t share

To limit  
our sharing

Call us toll-free at 1.866.759.0151—our menu will prompt you through your choices.

Please note: 

When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any 
time to limit our sharing.

Questions?

Call us toll-free at 1.866.759.0151.

C0110

Continued, see reverse for more important information.

 
 
  
 
 
 
 
 
 
 
 
 
 Page 2

What we do

How does Nordstrom Bank  
protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with 
federal law. These measures include computer safeguards and secured files and building. For more information regarding 
our privacy practices, follow the Your Privacy Rights link located at the bottom of the page at nordstrom.com and click on 
Nordstrom Bank Privacy Notice. 

How does Nordstrom Bank collect 
my personal information?

We collect your personal information, for example, when you

•  open an account or give us your income information
•  pay your bills or pay us by check
•  use your credit or debit card

Why can’t I limit all sharing?

Federal law gives you the right to limit only

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

•  sharing for affiliates’ everyday business purposes – information about your creditworthiness
•  affiliates from using your information to market to you, subject to applicable law
•  sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights  
under state law.

What happens when I limit sharing 
for an account I hold jointly with 
someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Nonaffiliates

Joint marketing

Companies related by common ownership or control. They can be financial and nonfinancial companies.

•  Our affiliates include the nonfinancial companies and divisions of the Nordstrom family of companies (such as Nordstrom, 
Nordstrom Rack, Nordstrom Direct, HauteLook, Jeffrey, Trunk Club, Inc., etc.). Nordstrom, Inc. also provides technology 
services and other services to Nordstrom Bank to assist us in serving our customers.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.
•  Nordstrom Bank does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
•  Nordstrom Bank does not jointly market.

Other important information

California and Vermont Residents: We only share information with third parties as permitted by your state’s law.  

NORDSTROM REWARDS CARDHOLDER  
TERMS AND CONDITIONS 

Definitions 

The Nordstrom Rewards Program (the “Program”) is offered exclusively by 
Nordstrom, Inc. (“Nordstrom”). By activating or using your Nordstrom credit 
card account (“Nordstrom Card”) you agree to the Nordstrom Rewards 
Cardholder Terms and Conditions (“Rewards Terms and Conditions”) as 
they may change from time to time. You acknowledge that you have read 
these Rewards Terms and Conditions and agree to be bound by them. These 
Rewards Terms and Conditions take effect on the earlier of the date that your 
application for a Nordstrom Card is approved, or the date you are able to use 
your Nordstrom Card to make purchases or obtain cash advances.

In these Rewards Terms and Conditions, the phrase “Net Purchases” means 
purchases less returns, “we,” “our” and “us” mean Nordstrom, and “you” 
and “your” mean each person issued a Nordstrom Card pursuant to your 
Nordstrom cardholder agreement (“Cardholder Agreement”). 

General Terms & Conditions 

We reserve the right to change these Rewards Terms and Conditions or the 
Program at any time and in any way (including our right to discontinue or 
change the benefits or change the expiration date of Rewards points received 
under the Program, or to adjust the number of Rewards points received for 
each dollar in Net Purchases), as we explain further below. We will give you 
notice if we end the Program or make a major change to it.

We reserve the right to cancel your participation in the Program, in the event 
of fraud, abuse of Rewards privileges, or violation of these Rewards Terms 
aand Conditions.

You are responsible for any tax liability related to your participation in and/
or your purchase of any of the benefits associated with the Program.

These Rewards Terms and Conditions will be governed by the laws of the 
state of Washington, without regard to any conflict of law provisions. If 
any part of these Rewards Terms and Conditions is found to be void or 
unenforceable under applicable law, all other parts of the Rewards Terms and 
Conditions will still apply.

Many of the benefits associated with the Program are offered exclusively 
through Nordstrom. In many cases, we may contract with independent 
contractors to administer these benefits, including, but not limited to, 
the issuance of travel documentation, administrative services, and travel 
reservations. We do not own or control the independent contractors used to 
administer these benefits. Neither we, nor these independent contractors nor 
our respective subsidiaries maintain control over the independent suppliers 
used to provide accommodations and/or services as part of fulfilling these 
benefits. We and our independent contractors do not assume responsibility 
for any travel or other services provided by any independent supplier. You 
release us, our independent contractors, and our respective subsidiaries 
from any responsibility and/or liability for any loss, injury, damage, accident, 
delay, inconvenience, or irregularity that you or any other person may suffer 
due to any cause relating to the Program or the use of any facilities, services, 
or goods in connection with any travel or other service provided by any 
independent supplier.

17

In order to access certain benefits associated with the Program, you agree 
that you may be asked to provide personal information about yourself, such 
as your shipping address, your Nordstrom Card information, and billing 
address, and that the information you provide will be disclosed to merchants 
and other third parties as necessary to obtain these benefits. We and our 
independent contractors have no control over, and no responsibility or 
liability for, the use by any merchants or other third parties of your personal 
information or any other information that such parties independently obtain 
from you or that is given to such parties to process your transactions or 
fulfill your benefits. You should check their privacy policies before entering 
into any transaction with them to obtain these benefits. We will protect  
your information as set forth in the “Your Privacy Rights” link found at 
nordstrom.com. 

Who is eligible?

When you are approved for your Nordstrom Card, you are automatically 
enrolled in Level 1 of the Program and will receive Rewards points for 
Net Purchases made with your Nordstrom Card as described below. Your 
eligibility for Levels 2, 3, and 4 of the Program will be reviewed quarterly and 
will be based on your Net Purchases made using your Nordstrom Card at  
Nordstrom retail locations in the U.S. and Canada, including Nordstrom 
full-line stores in the U.S. and Canada, Nordstrom Rack stores in the U.S., 
nordstrom.com, nordstromrack.com, HauteLook, through Nordstrom 
catalogs and on the Nordstrom gift card website hosted by CashStar® (“Net 
Purchases at Nordstrom”). These locations are individually and together 
referred to, below, as “Nordstrom.” Purchases at Trunk Club, Inc. are eligible 
for Rewards points but are not eligible for any other benefits associated with 
the Program. Just Jeffrey, Inc. (Jeffrey Boutiques) does not participate in the 
Program and any purchases made at these boutiques are not eligible for any 
benefits associated with the Program.

To be eligible for Level 2 of the Program, you must use your Nordstrom Card 
to purchase an annual minimum of $2,000 in Net Purchases at Nordstrom; to 
be eligible for Level 3 of the Program, you must use your Nordstrom Card to 
purchase an annual minimum of $5,000 in Net Purchases at Nordstrom; and 
to be eligible for Level 4 of the Program, you must use your Nordstrom Card 
to purchase an annual minimum of $10,000 in Net Purchases at Nordstrom. 
Except as described below, once you reach the qualifying Net Purchases at 
Nordstrom for Levels 2, 3, or 4, your benefits at each level include all of the 
benefits associated with the preceding Level(s) of the Program. Your Net 
Purchases at Nordstrom will be reset to zero annually at the beginning of 
each calendar year.

You are eligible to receive Rewards points and the benefits associated with 
Level 1, 2, 3, or 4 (subject to the qualifying Net Purchases at Nordstrom stated 
above) as long as your Nordstrom Card remains open and you have complied 
with all of your obligations under the Cardholder Agreement.

Purchases by Nordstrom employees, including purchases made by employees 
using an employee discount are eligible to receive Rewards points for Net 
Purchases made with a Nordstrom Card, but will not be eligible for any other 
benefits associated with Levels 1, 2, 3, and 4 of the Program.

How can you receive Nordstrom Rewards points?

You will receive two Rewards points for every dollar in Net Purchases at 
Nordstrom and Trunk Club, Inc. made using your Nordstrom Card. You will 
receive one Rewards point for every dollar in Net Purchases made with 
your Nordstrom Visa Platinum® card or Nordstrom Visa Signature® card 
(collectively, “Nordstrom Visa Card”) at merchants (other than Nordstrom 
and Trunk Club, Inc.) where Visa credit cards are accepted. Rewards points 
are not transferable.

When will you receive Nordstrom Notes?

You will receive $20 in Nordstrom Notes for every 2,000 Rewards points you 
receive. We will update your Rewards points balance monthly and Nordstrom 
Notes will be automatically issued to you a short time after that. 

How do you use Nordstrom Notes?

Nordstrom Notes may be redeemed for purchases at any full-line Nordstrom  
store in the U.S. or Canada or at Nordstrom Rack stores in the U.S., and online 
at nordstrom.com, nordstromrack.com or HauteLook. Nordstrom Notes may 
not be used as payment on your Nordstrom Card. The value of Nordstrom 
Notes will be applied against the total purchase price, including applicable 
taxes and fees. Nordstrom Notes will be denominated in U.S. Dollars and are 
subject to a currency exchange rate when redeemed at a Nordstrom store 
located in Canada. The U.S. Dollar to Canadian Dollar exchange rate that will 
be applied to your Nordstrom Note redemption in Canada will be the previous 
day’s online closing rate (rounded to two decimal places) in the Historical 
Exchange Rates section of www.USForex.com/forex-tools/historical-rate-
tools. All dollar amounts referred to in these Rewards Terms and Conditions 
are in U.S. Dollars. 

How can you redeem other Program benefits?

Once you reach the level of qualifying dollars in Net Purchases at Nordstrom 
to move to the next Rewards Level, we will send you a notice that you have 
reached Nordstrom Rewards Levels 2, 3, or 4, as the case may be. At that 
time, we will also send you information about the benefits associated with 
your Rewards Level and how to redeem those benefits.

From time to time, we may also send you information about additional 
benefits. Some benefits may have restrictions associated with them, may 
require you to purchase the benefit, may have limited availability, or may 
be subject to other restrictions. We will explain any restrictions that apply 
together with information about the benefit.

What is the Nordstrom alterations benefit?

To be eligible for a Nordstrom alterations benefit, you must purchase the 
item being altered at Nordstrom using your Nordstrom card. You must also 
pay for the alteration fee with your Nordstrom Card and you must purchase 
the alteration service at a Nordstrom or Nordstrom Rack store located in the 
U.S. The alterations benefit is not available for Nordstrom purchases made 
in Canada or Nordstrom international online orders. Not all Nordstrom full-
line or Nordstrom Rack stores offer alterations services. Purchases made at 
HauteLook are not eligible for the alterations benefit.

The alterations benefit has a maximum value associated with it for 
cardholders of Levels 1, 2, and 3 of the Program. When you are a Level 1, 

18

19

packages do not include airfare, lodging accommodations, transportation, 
or parking. All incidentals incurred during the Extraordinary Experience 
are the responsibility of the guest. A detailed itinerary will be provided to 
Nordstrom cardholders who purchase an Extraordinary Experience. Once any 
tickets that are part of an Extraordinary Experience have been issued to a 
cardholder, we are not responsible for the theft, loss, delay, destruction, or 
misplacement of any tickets mailed, delivered by courier or other express 
delivery, or left at will-call, hotel front desks, and concierge desks. Unless 
otherwise stated, Extraordinary Experiences must be canceled no later 
than thirty (30) days prior to scheduled arrival date in order to receive a 
full refund, with the exception of theater tickets, which are non-refundable 
once booked. The costs of the Extraordinary Experience, incidentals, and 
merchandise purchased directly from the merchant using your Nordstrom 
Visa Card will receive one Rewards point for every dollar in Net Purchases 
made. Extraordinary Experiences and individual components of the 
Extraordinary Experiences are non-transferable. You must be a Nordstrom 
cardholder to purchase an Extraordinary Experience, and you must purchase 
and conclude your trip by the date specified or end of the current calendar 
year if no date restrictions are stated. A Nordstrom cardholder must be at 
least 21 years of age to purchase any Extraordinary Experience, and minors 
participating in an Extraordinary Experience must be accompanied by a 
parent or guardian who is a Nordstrom cardholder. You remain eligible to 
purchase the specified benefit as long as your Nordstrom Card remains open 
and you have complied with all of your obligations under the Cardholder 
Agreement.

VIP Access to In-Store Events [Level 4 cardholders only]

Level 4 cardholders will receive VIP access to exclusive shopping 
experiences, benefits, or events at selected Nordstrom stores. Exclusive 
shopping experiences and events are not predetermined and are developed 
throughout the Program benefit year at our sole discretion. Participation in 
an exclusive shopping experience or event is not guaranteed due to limited 
dates, times, and locations. VIP access to an exclusive shopping experience 
or event may have other limitations and/or be subject to other restrictions. 
Complete details for exclusive shopping experiences and events will be 
sent to eligible Nordstrom cardholders prior to the experience or event in 
an invitation or other communication. VIP access has no cash value and is 
non-transferable. You remain eligible to participate in this benefit as long 
as your Nordstrom Card remains open and you have complied with all of 
your obligations under the Cardholder Agreement. If your Nordstrom Card is 
closed or you have not complied with your obligations under the Cardholder 
Agreement as of the day of an experience or event, your VIP access will be 
canceled.

2, or 3 cardholder, you are eligible to receive a Nordstrom Note for the 
lesser of the amount of the eligible alteration service or the remaining 
maximum amount of the alterations benefit tied to your respective level of 
the Program. Please note, the alterations benefit is not cumulative as you 
progress through the levels of the Program. This means, for example, if you 
are at a level where the maximum alterations benefit is $100 and you have 
used $100, when you progress to a level that provides for a maximum benefit 
of $300, you will have $200 in alteration services left to use. We will calculate 
the amount of eligible alterations monthly and Nordstrom Notes will be 
automatically issued to you a short time after that. 

Level 4 cardholders will receive a refund equal to the alteration amount 
at the time of your purchase or you will receive a credit on the Nordstrom 
Card billing statement or your deposit account statement that includes the 
alteration purchase.

When are Rewards points and/or benefits forfeited?

You will forfeit all accumulated and unused Rewards points, as well as access 
to all of the benefits associated with Levels 1, 2, 3, and 4 of the Program, 
if you fail to pay two or more consecutive monthly payments due on your 
Nordstrom Card or if your Nordstrom Card is closed and you are unable to 
make purchases using your Nordstrom Card.

When do Rewards points and/or benefits expire?

Rewards points received but not yet used to issue a Nordstrom Note to you 
will expire on the earlier of three (3) years from the last day of the year in 
which the points were received, or when your Nordstrom Card is closed. 
Nordstrom Notes expire one (1) year after issue, and other Program benefits 
not used expire at the end of the current calendar year.

Personal Triple Points Days and Bonus Points Events

The Personal Triple Points Day benefit allows you to select a day to receive 
triple points on all Net Purchases at Nordstrom using your Nordstrom 
Card. As you progress to different Rewards Levels, you are only entitled to 
the number of Personal Triple Points Days for the new Level and not the 
cumulative total of Personal Triple Points Days of the previous Level and the 
new Level. This means, for example, if your Personal Triple Points benefit is 
one (1) day, and you progress to a level that provides for three (3) days, and 
you’ve already used one (1) day, you will have two (2) days left. Periodically 
we may offer you opportunities to receive bonus points on your Nordstrom 
purchases. You cannot combine a Personal Triple Points Day with a bonus 
points event. This means if you schedule your Personal Triple Points Day 
during a bonus points event, you will receive the amount of the bonus points 
in lieu of the triple points. Personal Triple Points and bonus points do not 
apply to Last Chance purchases. Bonus points are capped at 10 points per net 
dollar. Christian Louboutin purchases at our Aventura, Michigan Avenue and 
Vancouver, B.C. stores, and purchases of Louis Vuitton and Hermès at any 
Nordstrom store location, will receive double points in lieu of triple or any 
other bonus points multiplier.  

Extraordinary Experiences [Level 3 and Level 4 cardholders only]

The purchase price of any Extraordinary Experience is exclusive of taxes 
and fees; additional surcharges and handling fees may apply to individual 
components of each Extraordinary Experience. Unless otherwise stated, 

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Arbitration

Please read this arbitration provision carefully. Unless you send us the 
rejection notice described in this document, this provision will apply to 
you and, as a result, either one of us can elect to subject any Rewards 
Dispute between us to individual arbitration. This means that: (1) a 
court or jury will not resolve the Rewards Dispute; (2) you will not be 
able to participate in a class action or similar proceeding to resolve 
the Rewards Dispute; and (3) your appeal rights during and after 
arbitration will be limited. 

As used in this arbitration provision, a “Rewards Dispute” means any claim 
or controversy between us that in any way arises from or relates to the 
Program, including, but not limited to, these Rewards Terms and Conditions, 
the issuance or redemption of Nordstrom Notes, Nordstrom Rewards points, 
other services and events access. Rewards Dispute has the broadest possible 
meaning, and includes, without limitation, disputes based upon contract, 
tort, consumer rights, fraud and other intentional torts, agency, statute or 
constitution, regulation, ordinance, common law and equity (including any 
claim for injunctive or declaratory relief). Rewards Dispute includes claims, 
counterclaims, cross-claims, and third-party claims, and it includes disputes 
in the past, present, or future. It also includes disputes about the validity, 
enforceability or scope of this arbitration provision. Rewards Dispute does 
not include any dispute arising out of the Cardholder Agreement, such as the 
collection of any balance owing on your Nordstrom Card.

If one of us elects to arbitrate a Rewards Dispute, it will be resolved by 
mandatory binding arbitration. The electing party must notify the other 
party in writing. To make an election to arbitrate, you must send a written 
notice to Nordstrom at P.O. Box 21865, Seattle, Washington 98111; ATTN: 
ARBITRATION DEMAND or we must send a written notice to you at the most 
current address we have on file for you. This notice can be given at any 
time before or after the beginning of a lawsuit by either party and may be 
included in papers filed in the lawsuit. The party seeking arbitration must 
select as the arbitration administrator either the American Arbitration 
Association (“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, adr.org, 
1.800.778.7879, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, 
jamsadr.com, 1.800.352.5267. You can contact the AAA or JAMS to findout 
more information on how to commence an arbitration proceeding.

The arbitrator(s) will be appointed in accordance with the procedures of 
the arbitration administrator, and must be a lawyer with at least 10 years of 
legal experience. The arbitration will take place in the federal judicial district 
where you reside and either one of us may elect to appear by telephone. We 
will pay the arbitration filing fee and consider requests to advance additional 
costs and fees on your behalf. If you receive a favorable award from the 
arbitration proceeding, we will reimburse you for the reasonable costs and 
fees of arbitration (but this does not include fees of attorneys, experts or 
consultants, unless applicable law provides you a right to recover those 
fees).

YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A CLASS ACTION, 
REPRESENTATIVE ACTION OR SIMILAR PROCEEDING IN COURT OR ARBITRATION. 
YOU ALSO AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US ON BEHALF 
OF ANY OTHER PERSON, AND YOU AGREE THAT NO OTHER PERSON MAY BRING 
A REWARDS DISPUTE AGAINST US ON YOUR BEHALF. YOU MAY NOT JOIN A 
REWARDS DISPUTE IN A SINGLE ARBITRATION WITH A REWARDS DISPUTE OF ANY 

OTHER PERSON. IF YOU TRY TO ASSERT ANY REWARDS DISPUTES IN A CLASS 
ACTION OR SIMILAR PROCEEDING, WE CAN REQUIRE THAT IT BE RESOLVED IN 
INDIVIDUAL (NON-CLASS) ARBITRATION. THIS PARAGRAPH IS REFERRED TO AS 
THE “CLASS ACTION PARAGRAPH.”

YOU AGREE NOT TO BRING A REWARDS DISPUTE AGAINST US IN A PRIVATE 
ATTORNEY GENERAL ACTION IN COURT OR ARBITRATION.

If you do not want this arbitration provision to apply, you must reject it in 
writing by mailing us a written rejection notice containing your name legibly 
printed, the last four digits of your Nordstrom Card number, a statement 
that you reject the arbitration provision, and your signature. The rejection 
notice must be sent by you to us at Nordstrom, P.O. Box 21865, Seattle, 
Washington 98111. Your rejection notice is effective only if it meets the 
above requirements, is signed by you and we receive it within sixty (60) 
calendar days after the date we first provide you with the Rewards Terms and 
Conditions containing the arbitration provision. Subsequent republications or 
delivery of the Rewards Terms and Conditions will not trigger another right 
to reject the arbitration provision. Your rejection of this arbitration provision 
will not affect any other provision of the Rewards Terms and Conditions.

This arbitration provision is governed by the Federal Arbitration Act (the 
“FAA”). The arbitrator(s) must follow: (1) the FAA; (2) all other applicable 
substantive law (except when contradicted by the FAA); (3) any applicable 
statute of limitations; and (4) rules as to valid claims of privilege. Further, 
the arbitrator(s) shall issue a written decision including the reasons for the 
award upon either party’s request. The decision of the arbitrator(s) will be 
final and binding, except for any appeal right under the FAA.

This arbitration provision will survive the termination of the Rewards Terms 
and Conditions or your relationship with us. If any part of this arbitration 
provision is found to be void or unenforceable under applicable law, all other 
parts of this arbitration provision and of the Rewards Terms and Conditions 
will still apply; except that if the Class Action Paragraph is found to be void or 
unenforceable in any way, this entire arbitration provision shall be deemed 
void and shall not apply, but all other parts of the Rewards Terms and 
Conditions will still apply.

CUSTOMER SERVICE

For questions or assistance, just give Nordstrom a call at 1.800.964.1800, 
seven days a week, 24 hours a day.

Thanks for being one of our most valued customers!

Revised 08/17

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