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Dillard's Credit Card

2.8WalletHub Rating

WalletHub Rating

2.8

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

2.0

User Reviews

4.2

Market Comparison

3.2

fees: 4.0

cost: 2.4

APR: 3.1

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WalletHub Rating

2.8/5

Dillard's Credit Card has a rating of 2.8/5 according to our proprietary credit card rating system. This rating reflects how appealing Dillard's Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, Dillard's Credit Card earned a score of 4.0/5 for Fees, 2.4/5 for Cost, and 3.1/5 for APR.

WalletHub Rating Breakdown

User Reviews

4.2/5

251 reviewsRead and write reviews

Editor’s Review

2.0/5

John Kiernan, Credit Card EditorRead full review

Market Comparison

3.2/5

Compared against 1,500+ credit cards

KEY TERMS

Excellent Credit, Good Credit

Annual Fee

APR on Purchases

0% intro APR for 12 - 24 months, 29.99% (V) APR after that

Balance Transfer

Balance Transfers Not Allowed

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 or a $10 Rewards Certificate.

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.

Dillard's Credit Card's Additional Info

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.

Learn More

at Wells Fargo's secure site

Editor's Review
Fact checked

John Kiernan

September 19th, 2023

Fact Checked by Alina Comoreanu

Senior Researcher

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 or excellent credit generally getting the Dillard’s Amex and those with fair credit being relegated to the store-only version. Unfortunately, the store card is about half as rewarding as the Amex. You can compare the two here as well as check your credit score for free.

No online application. For some reason, you can’t apply for the Dillard’s Credit Card online. You have to either apply at a store location or request to have an application mailed to you. That might not be a big deal to some people, but others will definitely see it as a major inconvenience.

Underwhelming rewards. You will earn 2 points per $1 spent at Dillard’s, which means you’ll need to spend at least $750 to reach the card’s 1,500-point redemption threshold. At that time, you can redeem for either a $10 gift certificate or a 10% discount. If you opt for the gift certificate, your earnings will be equal to 1.33% back. For context, the average cash back credit card offers 1.14% back. The other option’s value obviously depends on how much you spend on your discounted purchase, but it’s a better bet if that amount is at least $120. In that case, the discount would save you $12, and your total spending would be $870, resulting in an earning rate of 1.38% back. With that being said, neither option is all that enticing, considering the best store-affiliated credit cards offer 15%+ off your first purchase and 5% back on an ongoing basis.

No annual fee. Perhaps the best thing about the Dillard’s Credit Card is the fact that it doesn’t charge an annual fee. That saves you about $21.5 per year compared to the average credit card. But no annual fee is the norm for retailer-affiliated plastic, so its value shouldn’t be overstated.

Compare The Dillard's Credit Card vs. Other Cards

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Purchase Intro APR0% for 12 - 24 months

Purchase Intro APR0% for 12 months from account opening

Purchase Intro APR0% for 15 months

Transfer Intro APRNot Offered

Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Regular APR29.99% (V)

Regular APR20.24% - 29.99% Variable

Regular APR18.74% - 28.74% (V)

Rewards Rate

1 - 2 points / $1

Rewards Rate

1 - 3 points / $1

Rewards Rate

1 - 2 points / $1

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. In addition, WalletHub independently collected information for some of the cards on this page.

I used to have a Diilard's Card but then I couldn't pay it. Now that the bill has been paid, can I get it back?

Upvote

Michael Kransten

Are you sure you still have an account with them? It might've been closed and charged off, in which case they won't be too happy to take you back. Still, I'd call them if I were you, just to make sure. Their number is 800-643-8278.

How many times a month can I make a payment to my card?

Upvote

Garcia Menendez

As many times as you want, there's no limit on that.

Does this card offer cash advances?

Upvote

Joseph Bulebush, WalletHub Analyst

Yes, you can take out cash with it. Just be careful of the fees.

Can the Dillard's American Express be used everywhere?

Upvote

Keyaira Sutton, WalletHub Analyst

Yes, everywhere Amex is accepted.

I need a phone number to call from outside the U.S.A. , not a 1-800 or a 1-866 number. Can you help?

Upvote

WalletHub

It depends on what country you're in. Please see here: https://www.wellsfargo.com/help/international-access-codes/. Best of luck!

How much are the fees for not using this card?

Upvote

How do you get cash advances?

Upvote

What credit bureau does Dillard's Credit Card use for approval?

Upvotes

John Miller, Credit Cards Moderator

The Dillard's Credit Card mainly uses TransUnion for approval. Applying for this card will also trigger a hard inquiry on your report, which will cause a temporary drop in your credit score.

If you don't get approved for the Dillard's Credit Card, then you'll be considered for the Dillard's Store Card, instead. This will not initiate another credit pull; it will utilize the same information from the TransUnion inquiry conducted for the Dillard's Credit Card application.

After approval, the Dillard's Credit Card will report...

Dillard's Credit Card Reviews

Share your insights and review for the Dillard's Credit Card

4.1

What's Your Rating?

Myles Lindeburg
May 5, 2015 • @grendelone

I generally do not like store credit cards, even if they are all purpose cards, as their points are usually only earned on store purchases. This card looks to be a little different. I like the fact you can also achieve double points on groceries and gasoline, which is very much like the Barclay rewards card I carry. Except, that the rewards on this Dillard's card can only be turned in for Dillard gift cards, while most other reward card can actually be turned in for statement credit to be used on anything or even against your bill balance.

Comment

Stephanie Ann
April 20, 2015 • @stephaniea1

I love the points system of the credit card. I tend to look for credit cards that have good rewards systems because there are times when I do spend a lot and I want to get rewarded for using my credit card instead of cash or a debit card. The late fee is slightly higher than my other credit cards but the other features seem to be pretty similar to my Lord and Taylor credit card. The interest rates are average compared to other offers as well.

Comment

Cason King
April 1, 2015 • @clbrewer811

Even though there is no annual fees, the other costs of this card (foreign transaction fee, cash advance fee, APR) is pretty high. If you don't trigger those fees and you shop at Dillards often, this may be a good option for you. However, AMEX cards do usually have slightly higher fees than Visa or Mastercards. I probably wouldn't recommend this card unless you're a Dillard's regular.

Comment

Alissa Kazan
March 17, 2015 • @alissa.kazan

Just like a lot of the other users mentioned, the APR is a little high for the credit card. What I like about this card is that you can earn points and you do get cash incentives and percent off coupons every-so-often, depending on how much you shop at Dillard's. I love that there is no annual fee for this card and the cash advance fee percentage. Overall it's a great card for someone who shops regularly here and pays on time, otherwise the card may start to hurt you.

Comment

Sarah Bolton
March 5, 2015 • @sarah_bolton_5201

I am not a huge fan of this card. I feel like for as high as the interest rate is, it should have more perks. Other cards offer you a certain percentage off of all of your purchases made at that store and this one does not. I don't feel motivated to use the card. You do get points for purchases which is nice, but I'm not overwhelmed with the rewards. I also was displeased with the customer service after I had an issue with making a payment and ended up having to pay it late WITH the late fee. The issue was on their end but they were not willing to waive my fee (first time late) or do anything to rectify the issue :/

Comment

Mary Most
January 17, 2016 • @marym_63

actually im am very much in favor of any of there cc card offwrs. if. you not abbusing the CC. I HAVE ITI L

Comment

Azzie Burns
March 3, 2015 • @azzieb1

This Dillard's credit card has a very high APR for one that requires Good/Excellent credit to obtain. It comes with many nice perks such as the Dillard's reward points, but for that APR I have to say NO. I comes with pretty hefty late fee of thirty five dollars if you forget and pay late too, pretty harsh for a card only for those that have a proven track record of good credit and so are far from dead beats. I would also say if a card these days is going to charge 3 percent foreign transaction fee, they should have the courtesy to put the chip in you will need in order to be able to use it in much of Europe these days.

Comment

Miluska Gonzalez Polar
February 19, 2015 • @Miluangela

Horrible!, Customer Service the worst, my payment can not go through charging me late fees when paid on time ...... if is an option to write minus stars, I will do it , do not recommend this card at all.

Comment

Nessa Landeros
March 3, 2016 • @nessal

Same thing happen to me they never received my payments but there was no problem till they switched over to Wells Fargo.

Comment

Lisa Parker
February 13, 2015 • @lisap_20

I got my Dillard credit card in December and I was able to buy a few great gifts for my husband with it. One of the things I like the most about the card is the perks you get when you use it, and not just when I use it at Dillards, which is helpful when I get gas for my car or groceries at the local market. Also a big selling point for me was no annual fee. I have had cards in the past that it seemed I was paying them for the privilege to use it. The APR is a fair one for credit during this economic time too.

Comment

Patrick Eagens
February 3, 2015 • @patrick.eagens

I like that this credit card has a lot of bonus perks that other cards do not have. If you shop at Dillard's frequently or even shop at your local grocery store frequently, then this card is perfect. I'm not a fan of the foreign transaction fee, but that is pretty standard. The rates work pretty well at 13-22% and 27% cash advance. The late fee being $35 is similar to the Capital One Venture Rewards card so that also seems pretty standard. Overall it looks like a solid credit card with perks for frequent shoppers and no ridiculous fees or rates.

Comment

Stephanie Pyper
January 16, 2015 • @ooqueenspadeoo

Dillard's credit card sounds like a good choice for those who love to shop at Dillard's. There is no annual fee, which is awesome. It may not seem like a lot at the time. "Oh like 25 dollar annual fee, no big deal." It is a big deal when the time to pay comes around and you had that money earmarked for something else. You can earn points toward 10% off Shopping Passes or even get more points for $10 Rewards Certificates that you can use on Dillard's items. This would definitely be a lifesaver on top of the great sales they have at the stores. This says every dollar you spend you get 1 reward point, up to 2 reward points per dollar spent, depending on where you go. Unfortunately Interest rates are way high, for the regular rate it's 13.24%-21.99% and for cash advances it's 26.99% which isn't as much as Capital One for instance, but still pretty high. Again, wonderful card if you love Dillard's.

Comment

Review Dillard's Credit Card

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Dillard's Credit Card

Dillard's Credit Card

Accepted Credit Scores

Annual Fee

APR on Purchases

Balance Transfer

Rewards

Dillard's Credit Card's Additional Info

Editor's ReviewFact checked

Dillard's Credit Card Pros & Cons

Dillard's Credit Card Review

Compare The Dillard's Credit Card vs. Other Cards

Questions & Answers

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