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The fine print: APR ranges from 14.24 to 22.24 percent, based on creditworthiness.Members get advance notice for sales, exclusive offers, and birthday discounts.

How it works: Tally two points for every dollar spent at Nordstrom, Nordstrom Rack, and using a Nordstrom card, and one point per dollar for purchases made elsewhere with the Nordstrom Visa card.We will be in touch Your account has been created See Membership Benefits.

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Take advantage of 15 percent off your first card purchase and get 2,000 points just for signing up for e-mail and text alerts—and an additional 500 if you opt for paperless statements.

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Forget punch cards and stamps: Scan your phone at the register to keep track of your loyalty activity and earn rewards for chain and local restaurants and service providers.It looks like there will be One Insert this week, a SmartSource.

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You can redeem your points for reward certificates to use on a future.

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