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Neiman Marcus Credit Card

Neiman Marcus Credit Card is a Store Credit Cards.

Neiman Marcus Credit Card is a credit card provided by Neiman Marcus for customers to help shopping. Neiman Marcus, founded in 1907, is an American department store specializing in luxury goods, headquartered in Texas. Mainly engaged in clothing, shoes, furniture, jewelry, beauty, electronics, household utensils. Neiman Marcus Credit Card is more suitable for Neiman Marcus 's loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.

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Neiman Marcus Credit Card List

Neiman Marcus Credit Card
Card Details

Neiman Marcus Credit Card

Neiman Marcus Credit Card is a credit card provided by Neiman Marcus for customers to help shopping. Neiman Marcus, founded in 1907, is an American department store specializing in luxury goods, headquartered in Texas. Mainly engaged in clothing, shoes, furniture, jewelry, beauty, electronics, household utensils. Neiman Marcus Credit Card is more suitable for Neiman Marcus 's loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.

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Alternatives

If you want more cash back, you can choose Citizens Bank Cash Back Plus™ World MasterCard.

Citizens Bank Cash Back Plus™ World MasterCard
Card Details

Citizens Bank Cash Back Plus™ World MasterCard

  • Unlimited 1.5% cash back on every purchase with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account
  • Take advantage of both bonuses to earn 1.8% cash back
  • 0% introductory APR on balance transfers for 12 billing cycles, thereafter a 14.99%, 17.99% or 20.99%, variable APR based on your creditworthiness
  • Variable purchase APR of 14.99%, 17.99% or 20.99% applies from account opening based on your creditworthiness
  • No annual fee*
  • No foreign transaction fees
  • No penalty APR for late payments
  • Extended Warranty Protection doubles the original manufacturer%u2019s or store brand warranty for up to two years
  • Price Protection for 120 days from purchase
  • Concierge Services
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • MasterRental Insurance for collision, loss or damage
  • Zero Liability Protection against unauthorized purchases
  • Travel accident and baggage delay insurance
  • 24/7 online account management
  • Make purchases using Apple Pay%u2122 in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases
  • Balances count toward Circle Gold checking monthly combined balance
  • Year-end summary statement

If you want to save money in your common purchases, you can choose Town Bank Cash Back American Express Card.

Town Bank Cash Back American Express Card
Card Details

Town Bank Cash Back American Express Card

  • Earn 1.5% cash back on purchases
  • Receive a statement credit automatically every time you earn $25 in cash back
  • Rewards earned never expire!
  • A one-time $50 automatic statement credit when you spend $500 in the first 3 billing cycles
  • No Annual Fee
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What Credit Cards Are Available? (1)

Neiman Marcus Credit Card Neiman Marcus Credit Card
Sing-Up Bonus No
Annual fee $0
Benefits
Earn two InCircle points for virtually every dollar charged on purchases ✔
Earn automatic $100 Point Cards for every 10,000 points earned ✔
Circle Two and above receive complimentary 2-day shipping with code INCIRCLE ✔
Free gift packaging in-store and online ✔
Get 5,000 bonus InCircle Points after making a purchase the same day ✔
Receive special discounts and bonus point opportunities ✔
Spend $1,000 or more annually and receive complimentary 2-day shipping ✔
Access exclusive invites to shopping events ✔
Promotional financing plans ✔
Card Details

What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards offer in-store discounts, allow cardholders to earn and redeem points when making purchases.

There are two basic types of retail store credit card:

  • Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.

  • Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.

For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.


What are the benefits of store credit cards?

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Open-loop cards can be used anywhere as normal credit cards.

What are the drawbacks of a store credit card?

Low credit limits

This means that you have the risk of going over your credit limits.

High interest rates

Most store credit cards’ interest rates are higher than the industry average (17%).

Closed-loop cards are limited to single store

Many store credit cards can only be used at their store or online shop. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card.

Customer service problems

Some store credit cards are not issued by major cards issuers, so the quality of customer service is difficult to guarantee.

Some store credit cards can’t be used for balance transfers

What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

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About credits-life

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

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Advertiser Disclosure

We provide free but advertising supported comparsion service for different credit cards, the offers that appear on this site are from third party advertisers from which we receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We do not guarantee to offer all financial services companies or products on this website.

The credit score is a three-digit number relating to your credit worthiness. Banks or issuers use it to determine if they will approve you for a credit card. In credits-life, credit score ranges can be roughly equated to levels of credit, from limited credit to excellent credit.

Credit Score

Excellent Credit

750 — 850

Good Credit

700 — 749

Fair Credit

640 — 699

Bad Credit

300 — 639

Limited Credit

Less than 3 years of credit history

Applying for a credit card designed for people in the score range above does not guarantee you will be approved. Many other factors will go into credit card approval decisions.