Why I'm swapping my beloved Nordstrom Visa for the Chase Freedom card for holiday shopping

Business Insider | 10/9/2019 | Sarah Silbert
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Store credit cards aren't always the best deal, but I love the Nordstrom card for benefits like early access to Nordstrom's Anniversary Sale and 3x points on purchases at the store.

I plan to do some holiday shopping at Nordstrom this year, and while I'd usually put this spending on the Nordstrom card to earn bonus points, I'm planning to use another card: the Chase Freedom.

Chase - Freedom - % - Cash - Points

The Chase Freedom offers 5% cash back (or 5x points) on up to $1,500 in purchases on rotating bonus categories that you have to activate each quarter of the year. This quarter, one of the categories is department stores, including Nordstrom.

This means I can earn 5x points on Nordstrom purchases — up to 7,500 points that I could use toward travel like a United flight or a Hyatt hotel stay.

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I usually steer clear of store credit cards. They don't offer great purchase protections and generally only offer solid rewards when you shop at the store in question, and they're the worst-possible choice if you need to carry a balance, with some of the highest interest rates around. When friends or family ask me what card they should open, I direct them to rewards credit cards like the Chase Sapphire Preferred Card and the Blue Cash Preferred® Credit Card from American Express instead.

Place - Heart - Nordstrom - Credit - Card

However, there's a special place in my heart for the Nordstrom credit card. Not only does it earn you points toward $20 Nordstrom Notes, but it also gives you early access to the store's Anniversary Sale. Plus, it has no annual fee, so I never have to worry about whether I'm using the perks enough to justify keeping it open as long as I pay off my balance in full to avoid interest.

I only use my Nordstrom card for Nordstrom purchases,...
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