Review: Neiman Marcus Credit Card

neiman-marcus-credit-cardNeiman Marcus, in partnership with Capital One, good at Neiman Marcus stores as well as at its sister stores Bergdorf Goodman, Horchow, Last Call, and CUSP.

The card offers an InCircle rewards program that gives you 2 points for every dollar charged with the card. Once you reach 10,000 points, you get a $100 Neiman Marcus gift card.

So, you would ordinarily need to spend $5000 to get to 10,000 points, which makes it good to find out that you’ll get 5,000 InCircle points right off the bat when you open your card and make any size purchase with it on that same day. (You’ll still need to buy at least $2500 in other Neiman Marcus stuff to get your first $100 gift card, though.)

One of the things that makes us uncomfortable about the Neiman Marcus credit card is the interest rate — 24.24%!! If you EVER carry a balance on your credit cards, you don’t want this one. The interest you pay will essentially cancel out the rewards you receive.

However, if you always pay off your cards and you want those rewards, you can apply online for the Neiman Marcus credit card with .

See also: Store Credit Cards, Instant Approval Credit Cards, Neiman Marcus Credit Card Payment, Login, and Customer Service Information