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Dillard's Credit Card

Rewards243Reviews37Q&AContact

Excellent Credit, Good Credit

Annual Fee

Rewards

Open a Dillard’s Card Account and earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.

Earn 2 Dillard's Reward Points per one dollar spent in net purchases at Dillard's, U.S. grocery stores and U.S. gas stations. Earn 1 Point per $1 spent in net purchases everywhere else.

Reach 1,500 points and earn an All-Day 10% off rewards shopping pass.

Exclusive events and offers, plus special amenities and exciting benefits at amexconnect.com/dillards.

Shop your way to Elite Status and maintain that status by spending $2,000 in net purchases or more each calendar year.

APR on Purchases

0% intro APR for 12 - 24 months, 27.24% (V) APR after that

Balance Transfer

Balance Transfers Not Allowed

WalletHub Review

by John Kiernan

November 28th, 2022

Dillard's Credit Card Pros & Cons

No membership fees

0% intro APR on purchases

High rewards rate

10% Off Shopping Pass initial rewards bonus

No balance transfers allowed

High regular APR

Foreign fee

Requires good/excellent credit

Dillard's Credit Card Review

Two options, one application. There are two Dillard’s cards: the Dillard’s American Express Credit Card and the Dillard’s Store Card. You don’t get to choose between them though, as there is but a single application. The decision ultimately comes down to your credit standing, with people who have good... show more

View 243 User Reviews

Dillard's Credit Card's Additional Info

cash advance fee

4% (min $10)

cash advance APR

29.24% (V)

foreign transaction fee

smart chip

Yes, chip-and-signature

max late fee

$40

max overlimit fee

max penalty APR

None

grace period

23 days

Apply Now

at Wells Fargo's secure site

Equal Monthly Payment Financing: 0% APR for 12 months on men's tailored clothing, home furnishings, luggage and furniture purchases of $200 or more.

Equal Monthly Payment Financing: 0% APR for 24 months on furniture purchases of $2,500 or more.

Get access to American Express CONNECT and you can take advantage of great benefits such as special access to travel and entertainment deals.

Apply Now

at Wells Fargo's secure site

Questions & Answers

Can't find what you are looking for? Submit your question about Dillard's Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

Where can I fill out an application for a Dillard's Credit Card?

Upvotes

Maria Adams, Credit Cards Moderator

You can fill out an application for a Dillard's Credit Card either online or in a Dillard's Department Store. Alternatively, you can call their customer service at (800) 643-8276 and ask them to send you a paper application via mail. The same applies to the Dillard's Store Card, too.

Here's how to fill out an application for the Dillard's Credit Card:

Online: To fill out an application online, the issuer requires a photo of your ID to help verify your identity.
In store: You can apply for the Dillard's Credit Card at any Dillard's location.
Request an application form via phone: Although you cannot submit an application over the phone, you can ask customer service to send you a paper application form via mail. Simply call (800) 643-8276 and follow the prompts to get connected with a customer service representative.

Keep in mind that an at least good credit score is required for the Dillard's Credit Card. However, you may get approved for the Dillard's Store Card even with fair credit. Apart from your credit score, the issuer will take into account various other factors, like your credit history, your income, and any debts you might have.

How can I check my Dillard's credit card application status?

Upvotes

Peter Fox, WalletHub Analyst

You can check your Dillard's Credit Card application status either online or over the phone at (866) 834-6294. The same methods apply for the Dillard's Store Card, too.

To check your status online, you will need the access code you have received on your application email,...

How do I get a Dillard's Credit Card credit limit increase?

Upvotes

Benny Joseph, WalletHub Analyst

You can request a Dillard's Credit Card credit limit increase directly from Wells Fargo, the issuer, by phone or online.

Call Wells Fargo customer service at 800-643-8278.
Log into your online banking account and go to the “Manage Credit Limit” tab.

Wells Fargo gives you...

How do I cancel my Dillard's Credit Card?

Upvotes

Dianna Tyler

You can cancel your Dillard's Credit Card by calling their customer service department at 800-643-8278.

Just make sure to pay any pending balance and redeem your rewards first. You won't be able to close your account with an unpaid balance, and you'll lose any unredeemed rewards once your account...

How can I qualify for Dillard's Credit Card pre-approval?

Upvotes

Hayden Thomson

You cannot qualify for a Dillard's Credit Card pre-approval.

Dillard's issuing bank, Wells Fargo may send you a pre-approval offer in the mail if it thinks you may be a good fit for the card, but you cannot request it. If you do get an offer, it simply means...

Why was my Dillard's Credit Card account closed?

Upvotes

WalletHub

Credit card issuers can close credit cards due to inactivity, and that may be why your Dillard's credit card was closed. To make sure, call 800-643-8278 and ask them what happened.

What's the minimum credit score for the Dillards card?

Upvotes

WalletHub

The Dillard's Credit Card is designed for people with good (660 – 719) and excellent (720 – 850) credit score.

If you're not sure where you stand right now, you can check your latest credit score for free on WalletHub, the only site with free daily updates to...

How do I setup my Dillard's Credit Card PIN?

Upvotes

WalletHub

You can request a Dillard's Credit Card PIN at 800-643-8278.

Once you have it, you'll be able to get cash advances at ATMs and use the card in Europe. But I wouldn't really recommend either, to be honest. Cash advance fees hurt like hell, and you've got a 3%...

View more answers

What perks do I get with the Dillard's Credit Card Elite Status?

Upvotes

WalletHub

The Dillard's Credit Card Elite Status brings with it quite a few perks:

Complimentary standard shipping for purchases made on dillards.com
Complimentary gift wrapping for purchases made in-store
Double points
Invitations to private events
Complimentary hotel amenities

In order to keep your...

How to request a credit line increase?

Upvotes

Compare The Dillard's Credit Card

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(242)

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Purchase Intro APR0% for 12 - 24 months

Purchase Intro APR0% for 12 months from account opening

Purchase Intro APR0% for 12 months

Transfer Intro APRNot Offered

Regular APR27.24% (V)

Regular APR18.74% - 28.74% Variable

Regular APR17.99% - 27.99% Variable

Rewards Rate1 - 2 points / $1

Rewards Rate1 - 3 points / $1

Rewards Rate4 - 7 points / $1

Dillard's Credit Card Reviews

Share your insights and review the Dillard's Credit Card

4.2

What's Your Rating?

Patti
November 28, 2022 • @valero_patti

Verified Customer

Just a good card to have in your wallet. I have been shopping at Dillards for decades. I purchase all my Channel products from here.

Comment

Anthony
October 6, 2022 • @antmoor36

Verified Customer

Not worth it don't give an increase you have to call and call over and over and still nothing. They you a small amount when the price of everything is high these days

Comment

Brian
September 5, 2022 • @unbreakablegym

Verified Customer

It’s awesome, Great card, they increased my limit right away I’m very pleased with this American Express, I highly recommend it. Thanks and God bless.

Comment

kimber_gibson
August 7, 2022 • @kimber_gibson

The Dillards Amex is run by Wells Fargo bank. I had $1300 of fraudulent purchases made 2.5 hours from my home and I had to figure it out on my own and I reported it to them within 18 days as soon as my card was rejected because it was over the credit line with purchases I did not make nor authorized. They are saying they will not credit charges and are trying to make me pay. I had to report it to their Executive Office and 25 days later no response and they are charging interst on it. Do NOT ever get a Dillard's Credit Card!! This is fraudulent and criminal behavior on their part! I have had a Dillards Amex for 10 years, and been a Wells Fargo customer for 14 years! They have no loyalty and no other card ever holds a comsumer responsoble if the fraud is reported within 60 days. I am writing a letter to B&B and the Attorney's General's Office.

Comment

Deronza
July 6, 2022 • @jadakriss_1972

Verified Customer

I have no comment to add other than you can’t get a credit line increase even you pay on time and in full every month. I I could I would close acct.

Comment

John
June 17, 2022 • @johns_996

Verified Customer

They refuse to budge on APR. not worth carrying a balance. If necessary I get a couple items ever so often just to keep it open. Used to use a lot had a $5K limit but they reduced it for lack of use. Oh well their loss AMEXs gain.

Comment

nonda510
May 25, 2022 • @nonda510

Verified Customer

it was easy to apply and easy to pay online. I love the dillards card. I can use it anywhere. This card is also a MasterCard with airline benefits.

Comment

bluegrl67
April 11, 2022 • @bluegrl67

Verified Customer

Still it's the great card depending on what store you go to I can say right now it's really worth it. It has good buying perks and they have merchandise

Comment

Rachel
April 6, 2022 • @reservoirjack

Verified Customer

Good credit card. Secured card. No annual fees. Fair credit score. I have had an account
Since I was 16. Always fair pricing and a grace period for late payments.

Comment

kristopher isaac
March 31, 2022 • @Rockybalboa1

Ever since Wells Fargo became card provider it has gone straight downhill. Alot of strange occurrences with my time holding a Dillard's amex. Never a single issue with GE as provider. Plus, GE offered an "opt-out" of arbitration. Wells Fargo hides their bad behavior saying it kindly.

Comment

Review Dillard's Credit Card

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Dillard's Credit Card

Dillard's Credit Card

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Annual Fee

Rewards

APR on Purchases

Balance Transfer

WalletHub Review

Dillard's Credit Card Pros & Cons

Dillard's Credit Card Review

Dillard's Credit Card's Additional Info

Questions & Answers

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