This store-branded card earns rewards when you shop at not just Neiman Marcus, but also Bergdorf Goodman, Last Call, and Horchow, for no annual fee.
If you spend at least $1,000 in a year you can take advantage of free two-day shipping for online orders.
Highlights & Features
Rewards
- 2X InCircle points per dollar spent online and in-store at:
- Neiman Marcus
- Bergdorf Goodman
- Last Call
- Horchow
Fees
| Penalty APR | N/A |
| Late Fee | Up to $40 |
| Returned Payment Fee | Up to $25 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | N/A |
Credit Card Perks
Neiman Marcus credit card comes with no annual fee and a nice list of perks that can be earned as a cardholder. For nearly every dollar spent you’ll earn 2 InCircle Points.
Once you’ve accumulated 10,000 points, your account will automatically be cashed in for a $100 Point Card.
If you’re doing the math, that means you’ll have to spend $5,000 to earn your first $100 Point card ($5,000 x 2 points = 10,000 points). So, the more you shop the more benefits you’ll gain.
One perk that Neiman Marcus offers are promotional financing plans. This is great if you want to make a larger purchase and pay it off over a few months.
As a cardmember, you get anywhere from 6-12 months of waived interest charges. The only thing is that equal monthly installments must be repaid in order to take advantage of the promotional financing.
Credit Card Disadvantages
Unlike traditional credit cards the Neiman Marcus credit card is limited in use. Since it’s not a Visa or MasterCard, it can only be swiped at NM stores/online and NM partners.
This is perfect for loyal customers of Neiman Marcus, but that’s about it. This card also comes with a high APR interest rate. If you do not qualify for the 6-12 month promotional financing offer you will be forced to pay interest on any unpaid balance.
