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Dillard's Credit Card Review

Dillard's Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
Dillard's offers a store credit card and American Express® credit card to its customers. Both cards are issued by Wells Fargo Bank with the license of American Express. The cards have different features and benefits to provide the best services to the customers.
The Dillard's cards have some benefits as well as few draw backs. But there are no credit card offers that can satisfy all clients 100%. Some credit cards have high fees and some have high interest rates. Dillard's card is not an exception: it has many benefits along with some draw backs. We have highlighted almost all things below.

Dillard's Credit Card Details


  • Enjoy the benefits of being a Dillard’s Cardmember.57
  • Get an instant decision, and if approved, you can start shopping right away.57
  • Earn a 10% Off Welcome Shopping pass in your first statement when you open an account and charge $100.57
  • No annual fee and competitive APRs.57


Max. Rewards: 2 rewards points per $157
Sign-up Bonus: No bonus offer.57


Purchase Intro APR: No intro APR57
Purchase Regular APR: 24.49% - 26.49%57
Cash Advance Fee: n/a57
Cash Advance Regular APR: n/a57
Balance Transfer Intro APR: n/a57-index="0" class="sup-comment comm_57">57
Balance Transfer Regular APR: n/a57
Balance Transfer Fee: n/a57
Annual Fee: None.57

Dillard's Credit Card Benefits

The major benefit of both cards is the rewards program. You will earn two points on all Dillard's purchases. Earned points can be tracked via online account and once you have 1,500 points, you can redeem them for 10% off Rewards Shopping Pass or for a $10 Rewards Certificate.
Also, as a cardmember you can take advantage of special financing. You can qualify for 12 or 24 months of 0% APR on qualifying purchases. To qualify, you will need to spend a specific amount on purchases. The minimum amount, which is enough to qualify for a 12-month financing, is $200.

Dillard's Credit Card Drawbacks

You will earn points on net purchases only. All earned points can expire in 12 months, which means if you do not reach 1,500 points that can be redeemed for a rewards certificate or shopping pass, you will lose them. The rewards certificates or passes you get for points can only be used for limited time shown on the certificate or pass. You have to present them with the conjunction of your credit card. They cannot be used for prior purchases, cash, and you won't be able to buy gift cards on them. As for special financing, it applies to purchases in specific categories only, like men's tailored clothing, home furnishing, and furniture. And the last thing, which is common for store credit cards, the Dillard's card has the APR from 23.24% to 25.24%.

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User Comments about Dillard's Credit Card

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not ideal service
My adviсe to everybody - don't make online payments or check them later. Yes, it is easy and convinient but unfortunately my online payment was declined due to technical issues and I was not notified about it on time. The main reason I use this card - I shop at Dillards and earn good rewards. The rewards system is better than in stores like Macy's or JCPenney I suppose.