Shopping at Neiman Marcus just got more rewarding—if you have the right credit card. Whether you're a loyal shopper or just curious about building credit, the Neiman Marcus Credit Card might be more than just a way to pay at the store. But before you rush to apply, there are a few things you should know.

If you’ve ever walked into a Neiman Marcus store or browsed their website, you’ve probably noticed how high-end everything feels. Their credit card follows that same vibe—exclusive, stylish, and, for many, a little mysterious. Some folks love it, others aren’t so sure. And if you're trying to build or rebuild your credit, you might be wondering: is this card really worth it?

From credit limits to approval odds, and even reports of people getting denied despite decent scores, the Neiman Marcus Credit Card has been a hot topic in personal finance circles. In this post, we’ll break it all down so you can decide if it’s the right move for your financial goals.

• I Love A Mamas Boy

Table of Contents

• What Is the Neiman Marcus Credit Card?
• Neiman Marcus Credit Card Benefits
• Credit Requirements and Approval Stories
• Credit Limit Increases and Real User Reports
• Common Issues and What People Are Saying
• Should You Apply for the Neiman Marcus Credit Card?
• Frequently Asked Questions

What Is the Neiman Marcus Credit Card?

The Neiman Marcus Credit Card is a store-branded card issued through Capital One. Yep, you heard that right—it’s not just a random department store card. Because it’s managed by Capital One, it often shows up on your credit report under “Cap One (Neiman Marcus)” or something similar.

It's designed for shoppers who frequent Neiman Marcus stores or shop online through their site. Think of it like a loyalty card with credit-building potential. You earn points or rewards (depending on how the program is structured), and if you use it responsibly, it can help boost your credit score over time.

But here’s the thing: it’s not a general-use card like a Visa or Mastercard. You can only use it at Neiman Marcus locations or through their website. So, if you’re not a regular shopper there, it might not make sense to apply.

• Ally Lotti Sex Tape

Neiman Marcus Credit Card Benefits

So what’s in it for you? Let’s go over some of the perks that come with holding this card:

• Exclusive discounts – Cardholders often get early access to sales, special offers, and seasonal promotions.
• Reward points – You earn points every time you shop, which can be redeemed for future purchases.
• Flexible payment options – Sometimes, Neiman Marcus offers no-interest promotions on big purchases, which can be a nice perk for bigger-ticket items like home goods or designer clothing.
• Credit-building potential – Since it’s a Capital One card, it reports to the major credit bureaus, which means responsible use can help build or rebuild your credit.

But keep in mind, not everyone gets the same benefits. Some perks are time-limited or only available during certain promotions. So, it's a good idea to read the fine print before you apply.

Credit Requirements and Approval Stories

Now, let’s get into the real nitty-gritty: who gets approved for this card, and what kind of credit do you need?

There's no official public score requirement for the Neiman Marcus Credit Card, but based on user reports, it seems like you’ll probably need at least fair credit to get approved. That usually means a FICO score in the low to mid-600s. But—here’s where things get interesting—some people with scores below 600 have also been approved.

Take one user, for example, who mentioned hitting a score of 676 TU and 640 elsewhere and still had a rough time getting approved. Others have shared stories of being denied even with scores in the high 600s. So it’s not just about your score—your credit history, income, and overall debt load matter too.

And here’s something else to keep in mind: this is a Capital One card. If you’ve had a Cap One card in the past and managed it well, that might help your chances.

Credit Limit Increases and Real User Reports

One of the more interesting parts of the Neiman Marcus Credit Card experience is how the credit limits work. Some users report starting with small limits—like $5,000—and gradually getting increases over time.

One person shared that their limit went from $5,000 to $8,000 after a few months of on-time payments and regular use. Another mentioned requesting a credit limit increase (CLI) and getting a yes after just one call to customer service. So, if you’re hoping to build up your limit, it’s definitely possible—but it might take a little patience.

And here’s a pro tip: if you want a CLI, it’s often best to call Capital One directly rather than relying on automatic reviews. Some users have said that the automated system doesn’t always give the best results, but a quick call can lead to a better outcome.

Common Issues and What People Are Saying

Let’s be real: not everyone loves the Neiman Marcus Credit Card. There are some common complaints that come up again and again:

• Hard to get approved – Some users say they were declined even after checking their pre-approval status online.
• Low starting limits – $5,000 might seem okay at first, but if you're planning to buy something expensive, it might not be enough.
• Customer service hiccups – A few people have had trouble getting through to Capital One or Neiman Marcus customer service when they needed help with their account.

And if you’ve tried applying online and got declined, you’re not alone. Some folks have had to call in or wait a few months before trying again. One user even tried the “HSBC backdoor” method (which some people use for other store cards), but it didn’t work for them—they were just transferred to Neiman Marcus customer service instead.

Should You Apply for the Neiman Marcus Credit Card?

Alright, let’s wrap this up. Is the Neiman Marcus Credit Card worth it?

Well, if you're someone who shops there often and wants a card that helps build credit while giving you exclusive perks, it could be a solid option. But if you're not a regular shopper or your credit isn’t quite where it needs to be, you might want to hold off or consider other cards first.

Also, remember that applying for any credit card—especially a store card—can impact your credit score. So, it’s a good idea to check your eligibility first, maybe even use a pre-qualification tool if one is available.

And if you do decide to go for it, don’t get discouraged if you get denied the first time. Some people have been approved after waiting a few months and reapplying. Just keep your credit in good shape, pay your bills on time, and give it another shot later.

Frequently Asked Questions

Can I get the Neiman Marcus Credit Card with bad credit?

It’s possible, but not guaranteed. Some users with lower scores have been approved, but it often depends on other factors like income and existing credit history.

Is the Neiman Marcus Credit Card a Capital One card?

Yes, the Neiman Marcus Credit Card is issued through Capital One, which means it reports to the major credit bureaus and can help build your credit if used responsibly. You can learn more here.

How do I request a credit limit increase on my Neiman Marcus Credit Card?

Many users have reported success by calling Capital One directly. You can also log into your account online and check if you’re eligible for an increase through their system.