Are you always looking for special perks and rewards? If yes, the Neiman Marcus Credit Card could be perfect for you. It offers great rewards, free gift packaging, and special benefits for big spenders. This card is great for those who love fashion.
Key Takeaways
- Earn rewards and bonus points on purchases at Neiman Marcus, Bergdorf Goodman, Horchow, and Last Call
- Enjoy exclusive shopping perks like free 2-day shipping and invitations to special events
- Access elite benefits for high spenders, including personalized concierge services
- No annual fee makes the Neiman Marcus Credit Card a attractive option for luxury shoppers
- High regular APR is a potential drawback, so responsible usage is advised
Wallet Hub Rating Breakdown
According to WalletHub, the Neiman Marcus Credit Card has a 3.1 out of 5 rating. This score comes from a detailed look at several important areas. It gives a clear view of what the card offers and how well it performs.
| Category | Rating |
|---|---|
| Fees | 5.0/5 |
| Rewards | 2.7/5 |
| Cost | 3.0/5 |
| User Reviews | 3.4/5 |
User Reviews
Users have given the Neiman Marcus Credit Card a 3.4/5 rating on WalletHub. Many like the special shopping perks it offers. However, some don’t like the high annual percentage rate (APR).
Market Comparison
Compared to over 1,500 other credit cards tracked by WalletHub, the Neiman Marcus Credit Card is just average. It’s ranked in the “Earn Rewards (Store Cards)” category. This means it doesn’t stand out as much against the best store credit cards available.
Key Terms and Rewards
The Neiman Marcus Credit Card offers many benefits and rewards for your purchases. A key term to know is the variable APR, which is currently 30.74%. This card doesn’t have an introductory APR on purchases.
The card’s rewards program lets you earn valuable points easily. When you make your first purchase within 30 days of opening your account, you get 5,000 InCircle Bonus Points. Then, for every dollar you spend, you earn 2 InCircle points on purchases up to $74,999 a year. If you spend over $75,000, you earn 5 InCircle points per dollar.
| Reward Tier | Earn Rate |
|---|---|
| Purchases up to $74,999 annually | 2 InCircle points per dollar |
| Purchases over $75,000 annually | 5 InCircle points per dollar |
For every 10,000 InCircle points you earn, you get a $100 Point card. This card can be used to pay for future purchases. It’s a great way to use the Neiman Marcus credit card rewards and save money.
Earn Lucrative Rewards on Purchases
The Neiman Marcus Credit Card has a great rewards program. New cardmembers get a 5,000 bonus points right after their first purchase within 30 days. This gives a great start on earning InCircle points for rewards and experiences.
Cardholders earn 2 InCircle points per dollar spent on purchases up to $74,999 a year. If you spend over $75,000, you earn 5 InCircle points per dollar. This means more bonus point opportunities and a chance to get the most out of your neiman marcus credit card rewards and credit card earning rates.
| Spending Tier | Earning Rate |
|---|---|
| Up to $74,999 Annually | 2 InCircle Points per $1 |
| Over $75,000 Annually | 5 InCircle Points per $1 |
“The accelerated earning rates on the Neiman Marcus Credit Card allow me to rack up InCircle points quickly, which I can then redeem for valuable rewards and experiences.”
Exclusive Shopping Perks
Being a Neiman Marcus Credit Card holder opens up a world of special shopping benefits. One big perk is free 2-day shipping on orders over $1,000 a year. This lets you get your luxury items fast without paying extra for shipping.
But there’s more. Card members get bonus point opportunities on every purchase. You’ll also get invites to exclusive shopping events. These events offer special deals, VIP experiences, and the newest fashion trends early.
The Neiman Marcus Credit Card is all about giving cardholders a top-notch shopping experience. Whether you’re buying something special for yourself or finding the perfect gift, the card’s perks make it easy. You get fast shipping, more rewards, and early access to the best items.
No Annual Fee
The Neiman Marcus Credit Card doesn’t have an annual fee. This makes it a great choice for those who shop often at Neiman Marcus and its partners like Bergdorf Goodman and Last Call. It lets cardholders enjoy rewards without the extra cost of an annual fee.
Many people look for ways to save money, and skipping the annual fee is a big plus. This card is different from others that charge between $95 to $550 or more each year. With the neiman marcus credit card no annual fee, you can save money and still get rewards.
This card is also known for not having the high fees that some luxury retail cards do. This makes it a smart choice for those who enjoy shopping at Neiman Marcus and its related brands.
“The Neiman Marcus Credit Card’s no annual fee feature is a significant advantage that sets it apart from many other retail cards on the market. It’s a great option for frequent Neiman Marcus shoppers who want to maximize their rewards without the added expense of an annual fee.”
High Regular APR
The Neiman Marcus Credit Card has a high regular APR (Annual Percentage Rate) of 30.74% (Variable). This is common for store-branded cards. Yet, it’s crucial for cardholders to think about how it might affect their money, especially if they often carry a balance.
The credit card interest rates for the Neiman Marcus Credit Card can add up fast. It’s important for users to keep an eye on their payments. The card has many benefits, but the high APR can be a big issue if not handled well.
“The high APR of the Neiman Marcus Credit Card is something I’ve had to be very mindful of. It’s easy for the interest charges to add up quickly if you’re not diligent about paying off your balance in full each month.”
Before getting the Neiman Marcus Credit Card, it’s key to look at both the good and bad sides. Think about how you spend and your financial goals. Knowing the high neiman marcus credit card APR helps you decide if this card fits your needs.
“neiman marcus credit card” Additional Benefits
The Neiman Marcus Credit Card offers more than just rewards and special shopping perks. It has a range of extra benefits for its cardholders. These benefits make shopping at Neiman Marcus even more valuable and convenient.
One great perk is the complimentary gift packaging for purchases over a certain amount each year. This adds luxury and thoughtfulness to gifts, making shopping more special.
For those who spend a lot, there are elite benefits. These include access to exclusive events and personal concierge services. These are for Neiman Marcus’s most loyal and important customers.
Card users also get in-store perk cards. These cards let you get extra discounts and special deals when you visit Neiman Marcus stores.
These neiman marcus credit card additional benefits make the card even more valuable. They offer a full range of credit card perks that go beyond just earning points and shopping benefits.
“The Neiman Marcus Credit Card has truly elevated my shopping experience. The additional benefits, like the gift packaging and elite services, make me feel like a VIP customer.”
– Samantha, Loyal Neiman Marcus Cardholder
Earn InCircle Gift Points
The Neiman Marcus Credit Card’s InCircle membership program lets cardholders earn points on every purchase. These points can be used for rewards like gift cards and special shopping experiences. The program has different levels, with more spending giving you better rewards.
Five Reward Tiers Based on Spend
The InCircle program has five reward tiers, each with its own points rate and special benefits. These tiers depend on how much you spend with your Neiman Marcus credit card:
- Tier 1: 1 point per $1 spent, up to $10,000 annually
- Tier 2: 2 points per $1 spent, for the next $15,000 in annual spend (up to $25,000 total)
- Tier 3: 3 points per $1 spent, for the next $25,000 in annual spend (up to $50,000 total)
- Tier 4: 4 points per $1 spent, for the next $25,000 in annual spend (up to $75,000 total)
- Tier 5: 5 points per $1 spent, for any annual spend over $75,000
By using your Neiman Marcus credit card wisely, you can earn more InCircle points. This helps you get better rewards and benefits.
| Reward Tier | Annual Spend | Points per $1 Spent |
|---|---|---|
| Tier 1 | Up to $10,000 | 1 point |
| Tier 2 | $10,001 – $25,000 | 2 points |
| Tier 3 | $25,001 – $50,000 | 3 points |
| Tier 4 | $50,001 – $75,000 | 4 points |
| Tier 5 | Over $75,000 | 5 points |
The tiered credit card reward tiers of the InCircle program offer Neiman Marcus cardholders many chances to earn points. This leads to exclusive benefits.
Complimentary Gift Packaging
The Neiman Marcus Credit Card offers more than just rewards and exclusive benefits. It also adds a touch of luxury to your gift-giving. If you reach the Circle Three level or higher, you get free gift packaging at Neiman Marcus and Horchow.
This perk lets you make your gifts look special with high-quality packaging. It’s perfect for any present, whether it’s for someone you love or for yourself. The free gift wrapping service adds a refined and elegant touch.
The gift packaging includes:
- Signature Neiman Marcus or Horchow gift boxes
- Luxurious tissue paper and ribbons
- Personalized gift cards
This exclusive benefit saves you time and effort. It ensures your gifts are presented with the same care Neiman Marcus is known for. It’s a small touch that can make a big difference in the gift-giving experience.
So, if you’re a Neiman Marcus Credit Card holder, don’t miss out on this free gift packaging service. It’s a credit card shopping benefit that truly elevates the experience.
Elite Benefits for High Spenders
The Neiman Marcus Credit Card has special perks for those who spend a lot. If you charge $35,000 or more each year, you join the InCircle group. This group gives you amazing shopping experiences and personal benefits.
Reach the $75,000 mark and you move up to the top InCircle tier. Here, you get even more special neiman marcus credit card elite benefits. These high spending credit card perks include:
- Invitations to exclusive, members-only shopping events and runway shows
- Complimentary personal shopping appointments with dedicated stylists
- Access to private sales and pre-sale opportunities
- Exclusive gifts and surprises to celebrate milestone spending levels
- Dedicated concierge support for trip planning, dining reservations, and more
| Spend Tier | Elite Benefits |
|---|---|
| $35,000+ | InCircle group membership, access to exclusive events, personal shopping |
| $75,000+ | All $35,000+ benefits, plus dedicated concierge, private sales, and more |
These neiman marcus credit card elite benefits reward the brand’s most loyal customers. They offer unmatched shopping experiences and personal service. For those who love luxury, the Neiman Marcus Credit Card’s elite perks show the brand’s dedication to its top customers.
In-Store Perk Cards
As a Neiman Marcus Credit Card member, you get special in-store perks. One big perk is the In-Store Perk Cards for those at the InCircle level three or higher.
These cards, worth $25 or more, are for purchases in Neiman Marcus stores. They’re a great way to make your shopping better and save money on neiman marcus credit card in-store perks and credit card in-store benefits.
- Earn points for every dollar spent, with higher earning rates at higher spending levels
- Receive free 2-day shipping on purchases over $1,000 annually
- Gain access to exclusive shopping events and bonus point opportunities
- Enjoy no annual fee for the credit card
The Neiman Marcus Credit Card makes shopping better and opens up a world of neiman marcus credit card in-store perks and credit card in-store benefits. Use these valuable cards to improve your purchases and enjoy luxury shopping.
Double Points Day
The Neiman Marcus Credit Card has a great perk for its users – a Double Points Day. On this day, you can earn double the standard points on all your buys. This means you can get more credit card bonus rewards and collect InCircle points faster.
This is super useful for those who shop a lot at Neiman Marcus. By picking a day that fits your spending, you can increase your points. This helps you get closer to special rewards and benefits in the InCircle program.
| Standard Points Earn Rate | Double Points Day Earn Rate |
|---|---|
| 2 points per $1 spent | 4 points per $1 spent |
| 5 points per $1 spent on purchases over $75,000 annually | 10 points per $1 spent on purchases over $75,000 annually |
To use the Double Points Day benefit, just log into your Neiman Marcus account or call customer service. Pick your favorite day to earn more neiman marcus credit card double points. This way, you can make the most of your credit card bonus rewards.
“The Double Points Day is a game-changer for me. I always make sure to schedule my big-ticket purchases around this bonus day to get the most value out of my Neiman Marcus Credit Card.”
Potential $100 Point Card
Neiman Marcus Credit Card members can earn a $100 Point card for every 10,000 InCircle points. This special card offers big savings on future buys. It’s a top reward for loyal customers.
The neiman marcus credit card $100 point card rewards cardholders for their spending and brand loyalty. By getting 10,000 InCircle points, members get a $100 Point card. This card can be used at Neiman Marcus or Bergdorf Goodman stores.
This credit card reward redemption lets cardholders boost the value of their buys. They can use the $100 Point card for luxury items or everyday needs. It makes shopping at Neiman Marcus more rewarding.
| Benefit | Details |
|---|---|
| $100 Point Card | Earn a $100 Point card for every 10,000 InCircle points accumulated |
| Flexible Redemption | Use the $100 Point card towards any purchase at Neiman Marcus or Bergdorf Goodman |
| Exclusive Savings | Maximize the value of your Neiman Marcus purchases with the $100 Point card |
The neiman marcus credit card $100 point card gives members top rewards and special shopping experiences. It strengthens their bond with the brand and its luxury items.
InCircle Concierge Service
As a Neiman Marcus Credit Card holder, you get special access to the InCircle Concierge. This service makes shopping and traveling better for you. It’s made for those who love luxury, offering special services and perks.
The neiman marcus credit card concierge team aims to make your life easier and more exciting. They can get you tickets to sold-out events, book top restaurants, and plan amazing trips. With credit card luxury services from InCircle, you get the VIP treatment you deserve.
- Personalized travel planning and booking assistance
- Priority access to exclusive events and experiences
- Reservations at renowned restaurants and venues
- Exclusive offers and discounts on luxury goods and services
The InCircle Concierge is a special perk of the Neiman Marcus Credit Card. It helps you plan special trips, find the perfect gift, or enjoy life’s luxuries. The concierge team is ready to help, if it’s available.
“The InCircle Concierge service has been a game-changer for me. They’ve helped me secure tickets to sold-out shows, made restaurant reservations at the most coveted spots, and even planned unforgettable vacations. It’s like having a personal assistant at my fingertips.”
Upgrade your shopping and lifestyle with the Neiman Marcus Credit Card. Enjoy amazing neiman marcus credit card concierge and credit card luxury services. Get exclusive privileges and personal attention that makes you feel special.
Financing Flexibility
The Neiman Marcus Credit Card offers cardholders great financing options. They can get special financing plans and deferred interest deals. These are great for big purchases, helping customers manage their money better.
Special Financing Plans
Cardholders can use special financing for certain buys. This lets them pay over time with less or no interest. It’s perfect for big-ticket items like luxury fashion and home goods from Neiman Marcus.
Deferred Interest Promotions
The card also has deferred interest deals on some buys. Cardholders get a period with no interest if they pay off the balance by a certain time. This is a smart choice for those who need more time to pay without extra interest.
With these financing options, the Neiman Marcus Credit Card is a top pick for those who love fashion and luxury. It combines special financing and deferred interest. This gives cardholders more control over their purchases.
Applying for the Card
Getting the Neiman Marcus Credit Card is a big deal for those who love exclusive rewards and perks. But first, you must meet certain credit score and financial needs. Let’s dive into the application process.
Credit Score Requirements
To get the Neiman Marcus Credit Card, you usually need a good to excellent credit score. This score should be over 670 on the FICO scale. This rule helps the issuer check if you’re a good candidate and can handle the account well.
Income and Debt Evaluation
Your credit score isn’t the only thing they look at. They also check your income and how much debt you have. They want to make sure you can handle the card’s yearly spending and any fees or interest. A steady job and a low debt-to-income ratio show you can pay on time.
| Requirement | Details |
|---|---|
| Credit Score | Typically, a score of 670 or higher on the FICO scale |
| Income | Stable employment and sufficient income to manage the card’s financial obligations |
| Debt-to-Income Ratio | A favorable ratio that demonstrates your ability to make timely payments |
Knowing these key points will help you apply for the Neiman Marcus Credit Card better. This way, you can enjoy its exclusive benefits.
Conclusion
The Neiman Marcus Credit Card is great for fashion lovers and luxury fans. It offers big rewards, special shopping perks, and the chance for elite benefits. This card is perfect for those who shop often at Neiman Marcus, Bergdorf Goodman, Horchow, and Last Call.
The card has a high regular APR, but it doesn’t have an annual fee. It also offers various financing options. The neiman marcus credit card conclusion is that it gives a great mix of rewards and benefits for luxury shoppers.
In summary, the credit card review summary shows the card meets the needs of picky shoppers. It combines rewards, special benefits, and financing options well. For those who love the Neiman Marcus lifestyle, this card is definitely worth looking into.
FAQ
What are the key benefits and features of the Neiman Marcus Credit Card?
The Neiman Marcus Credit Card is great for fashion lovers and luxury shoppers. It offers rewards, special perks, and access to exclusive events. Cardholders earn InCircle gift points and get free 2-day shipping on purchases over
FAQ
What are the key benefits and features of the Neiman Marcus Credit Card?
The Neiman Marcus Credit Card is great for fashion lovers and luxury shoppers. It offers rewards, special perks, and access to exclusive events. Cardholders earn InCircle gift points and get free 2-day shipping on purchases over $1,000 a year. They also get bonus points and special shopping events.
How does the Neiman Marcus Credit Card perform in the WalletHub rating system?
WalletHub gives the Neiman Marcus Credit Card a score of 3.1/5. It scores 5.0/5 for Fees, 2.7/5 for Rewards, 3.0/5 for Cost, and 3.4/5 for User Reviews. It’s seen as an average choice in the “Earn Rewards (Store Cards)” category among over 1,500 credit cards tracked by WalletHub.
What are the key terms and rewards associated with the Neiman Marcus Credit Card?
The card has a 30.74% variable APR and no introductory APR on purchases. New cardholders get 5,000 InCircle Bonus Points after their first purchase in 30 days. They earn 2 InCircle points per dollar on purchases up to $74,999 annually and 5 points per dollar over $75,000. For every 10,000 points, cardholders get a $100 Point card.
How can cardholders earn lucrative rewards on their purchases?
Card members can earn big rewards on their purchases. New cardholders get 5,000 bonus points after their first purchase in 30 days. They earn 2 InCircle points per dollar on purchases up to $74,999 annually and 5 points per dollar over $75,000. This means they can earn a lot of points and rewards.
What exclusive shopping perks does the Neiman Marcus Credit Card offer?
The card offers exclusive perks like free 2-day shipping on purchases over $1,000 annually. Cardholders also get bonus points and invitations to special shopping events. These events give them access to exclusive experiences and offers.
Does the Neiman Marcus Credit Card have an annual fee?
No, the Neiman Marcus Credit Card has no annual fee. This makes it a great choice for those who shop often at Neiman Marcus and its brands.
What is the regular APR for the Neiman Marcus Credit Card?
The regular APR is 30.74% (Variable), which is common for store-branded cards. Cardholders should watch out for this as interest can add up quickly.
What additional benefits does the Neiman Marcus Credit Card offer?
The card offers more benefits like complimentary gift packaging and special perks for high spenders. Cardholders also get in-store perk cards and access to the InCircle Concierge. This service provides personalized travel help and tickets, if available.
How can Neiman Marcus Credit Card members earn InCircle gift points?
Members earn points for every dollar spent through the InCircle program. There are five tiers based on annual spend, offering more benefits as you spend more. Elite members earn a $100 Point card for every 10,000 points.
What are the requirements for applying for the Neiman Marcus Credit Card?
You need a good to excellent credit score, over 670 on the FICO scale, to apply. The issuer also looks at your income and debt when reviewing your application.
,000 a year. They also get bonus points and special shopping events.
How does the Neiman Marcus Credit Card perform in the WalletHub rating system?
WalletHub gives the Neiman Marcus Credit Card a score of 3.1/5. It scores 5.0/5 for Fees, 2.7/5 for Rewards, 3.0/5 for Cost, and 3.4/5 for User Reviews. It’s seen as an average choice in the “Earn Rewards (Store Cards)” category among over 1,500 credit cards tracked by WalletHub.
What are the key terms and rewards associated with the Neiman Marcus Credit Card?
The card has a 30.74% variable APR and no introductory APR on purchases. New cardholders get 5,000 InCircle Bonus Points after their first purchase in 30 days. They earn 2 InCircle points per dollar on purchases up to ,999 annually and 5 points per dollar over ,000. For every 10,000 points, cardholders get a 0 Point card.
How can cardholders earn lucrative rewards on their purchases?
Card members can earn big rewards on their purchases. New cardholders get 5,000 bonus points after their first purchase in 30 days. They earn 2 InCircle points per dollar on purchases up to ,999 annually and 5 points per dollar over ,000. This means they can earn a lot of points and rewards.
What exclusive shopping perks does the Neiman Marcus Credit Card offer?
The card offers exclusive perks like free 2-day shipping on purchases over
FAQ
What are the key benefits and features of the Neiman Marcus Credit Card?
The Neiman Marcus Credit Card is great for fashion lovers and luxury shoppers. It offers rewards, special perks, and access to exclusive events. Cardholders earn InCircle gift points and get free 2-day shipping on purchases over $1,000 a year. They also get bonus points and special shopping events.
How does the Neiman Marcus Credit Card perform in the WalletHub rating system?
WalletHub gives the Neiman Marcus Credit Card a score of 3.1/5. It scores 5.0/5 for Fees, 2.7/5 for Rewards, 3.0/5 for Cost, and 3.4/5 for User Reviews. It’s seen as an average choice in the “Earn Rewards (Store Cards)” category among over 1,500 credit cards tracked by WalletHub.
What are the key terms and rewards associated with the Neiman Marcus Credit Card?
The card has a 30.74% variable APR and no introductory APR on purchases. New cardholders get 5,000 InCircle Bonus Points after their first purchase in 30 days. They earn 2 InCircle points per dollar on purchases up to $74,999 annually and 5 points per dollar over $75,000. For every 10,000 points, cardholders get a $100 Point card.
How can cardholders earn lucrative rewards on their purchases?
Card members can earn big rewards on their purchases. New cardholders get 5,000 bonus points after their first purchase in 30 days. They earn 2 InCircle points per dollar on purchases up to $74,999 annually and 5 points per dollar over $75,000. This means they can earn a lot of points and rewards.
What exclusive shopping perks does the Neiman Marcus Credit Card offer?
The card offers exclusive perks like free 2-day shipping on purchases over $1,000 annually. Cardholders also get bonus points and invitations to special shopping events. These events give them access to exclusive experiences and offers.
Does the Neiman Marcus Credit Card have an annual fee?
No, the Neiman Marcus Credit Card has no annual fee. This makes it a great choice for those who shop often at Neiman Marcus and its brands.
What is the regular APR for the Neiman Marcus Credit Card?
The regular APR is 30.74% (Variable), which is common for store-branded cards. Cardholders should watch out for this as interest can add up quickly.
What additional benefits does the Neiman Marcus Credit Card offer?
The card offers more benefits like complimentary gift packaging and special perks for high spenders. Cardholders also get in-store perk cards and access to the InCircle Concierge. This service provides personalized travel help and tickets, if available.
How can Neiman Marcus Credit Card members earn InCircle gift points?
Members earn points for every dollar spent through the InCircle program. There are five tiers based on annual spend, offering more benefits as you spend more. Elite members earn a $100 Point card for every 10,000 points.
What are the requirements for applying for the Neiman Marcus Credit Card?
You need a good to excellent credit score, over 670 on the FICO scale, to apply. The issuer also looks at your income and debt when reviewing your application.
,000 annually. Cardholders also get bonus points and invitations to special shopping events. These events give them access to exclusive experiences and offers.
Does the Neiman Marcus Credit Card have an annual fee?
No, the Neiman Marcus Credit Card has no annual fee. This makes it a great choice for those who shop often at Neiman Marcus and its brands.
What is the regular APR for the Neiman Marcus Credit Card?
The regular APR is 30.74% (Variable), which is common for store-branded cards. Cardholders should watch out for this as interest can add up quickly.
What additional benefits does the Neiman Marcus Credit Card offer?
The card offers more benefits like complimentary gift packaging and special perks for high spenders. Cardholders also get in-store perk cards and access to the InCircle Concierge. This service provides personalized travel help and tickets, if available.
How can Neiman Marcus Credit Card members earn InCircle gift points?
Members earn points for every dollar spent through the InCircle program. There are five tiers based on annual spend, offering more benefits as you spend more. Elite members earn a 0 Point card for every 10,000 points.
What are the requirements for applying for the Neiman Marcus Credit Card?
You need a good to excellent credit score, over 670 on the FICO scale, to apply. The issuer also looks at your income and debt when reviewing your application.