Dillard’s Store Card Reviews (2025)Reviews, rates, fees, and rewards details for The Dillard's Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate10% off shopping pass initial rewards bonusQualify with fair creditHigh regular APR
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 "Improve Credit by Paying in Full Each Month." 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.
The Dillard's Store Card is a pretty good option if you have fair credit (640+ credit score) and you like to shop at Dillard’s, especially if you have a big shopping spree planned. You get a 10% discount the day you’re approved for an account, which can save you up to $100, and you won’t have to pay an annual fee. Info about the Dillard's Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
4.0/5
294 reviewsRead and write reviews
Editor’s Review
2.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.4
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.6
Other Features
0.0
2.4/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
32.74% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Open a Dillard’s Card Account and earn a 10% off Welcome Shopping Pass (up to $100 discount) in your first statement after spending $100 at Dillard’s on the day you're approved.
Earn 2 Dillard's Reward Points per one dollar spent in net purchases at Dillard's.
Reach 1,500 points and earn an All-Day 10% off rewards shopping pass or a $10 Rewards Certificate.
Shop your way to Elite Status and maintain that status by spending $2,000 in net purchases or more each calendar year.
The Dillard's Store Card is a pretty good option if you have fair credit (640+ credit score) and you like to shop at Dillard’s, especially if you have a big shopping spree planned. You get a 10% discount the day you’re approved for an account, which can save you up to $100, and you won’t have to pay an annual fee.
The ongoing rewards rate is the equivalent of just 1.33% back, however, assuming you redeem the points for a $10 rewards certificate rather than an all-day 10% off shopping pass. The shopping pass can save you up to $100.
This card also has a very high APR. If you don’t pay your bill in full every month, it will cost you big time.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
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 "Improve Credit by Paying in Full Each Month." 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
2.5
User Reviews
4.0
Market Comparison
2.4
fees: 5.0
rewards: 0.0
cost: 3.6
Other Features: 0.0
4.2WalletHub Rating
WalletHub Rating
4.2
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 "Earn Rewards." 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
5.0
User Reviews
3.6
Market Comparison
4.2
fees: 3.8
rewards: 4.3
cost: 4.6
Other Features: 0.0
3.6WalletHub Rating
WalletHub Rating
3.6
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 "Earn Gas Rewards." 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
4.5
User Reviews
3.6
Market Comparison
3.5
fees: 5.0
rewards: 3.0
cost: 3.6
Other Features: 0.0
(294)
(873)
(1,060)
annual fee$0
annual fee$0
annual fee$0
rewards rate 2 points / $1
rewards rate 1.5 - 5% Cash Back
rewards rate 1 - 5% Cash Back
bonus offer10% off shopping pass
bonus offer $200
bonus offerNone
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Can't find what you are looking for? Submit your question about Dillard's Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way to apply for the Dillard's Store Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Wells Fargo's website. Alternatively, you can apply in store.
Keep in mind that the Dillard's Store Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You can check your credit score for free here on WalletHub.
Ways to Apply for the Dillard's Store Card
Online: Applying online is the fastest and most straightforward way. You can do that by clicking “Learn More” on sites like WalletHub or through Wells Fargo's website. You will then need to fill in your personal and financial information.
In Store: Visit a local Dillard's store and let a representative know that you would like to apply for the Dillard's Store Card. Then, fill out the application with your personal and financial info.
How to Apply for the Dillard's Store Card Online
Go to the application page on Wells Fargo's website or click the “Learn More” button on sites like WalletHub to be taken there.
Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
Fill in the requested financial information such as your income, sources of income, employment status and housing status.
Authorize Wells Fargo to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.
Double check to make sure the application is complete and all the information is accurate.
Submit the application.
Once you've submitted your Dillard's Store Card application, you may receive a decision right away. If approved, you'll get your new card in the mail within 7-10 business days.
The credit score needed for the Dillard's Store Card is 640+. This means that you need at least fair credit to qualify for this card.
But your credit score isn't the only thing the issuer will take into account while considering your application. Various other factors will also determine the outcome, like your credit history, income and any debts you might have.
It depends on your credit score. The Dillard's Credit Card is designed for people with good (660 – 719) and excellent (720 – 850) credit score. Thus, if your credit score ranges from 660 to 850 you can get approved.
Yes, the Dillard's Store Card will do a hard pull. You will need a credit score of at least 640 to get it. This means that your credit score must be at least fair for high chances of approval This is on par with what most store cards require.
You can check if you pre-qualify for the Dillard's Store Card on the issuer's pre-qualification page. This will not affect your credit score as it will result in a soft pull. However, if you...
The Dillard's Store Card will likely use Experian to assess your creditworthiness when you apply, though it uses other bureaus on occasion. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
When you apply, Citibank will perform a hard inquiry on your credit report, which might temporarily reduce your credit score by up to 5 points.
The Dillard's Store Card's APR is 32.74% (V). This card also has a purchase intro APR of Not Offered. While this might sound like a good deal, it's important to mention that it also comes with deferred interest. Basically, missing a single payment or not fully repaying what you owe by the end of the promotional period would mean interest is retroactively applied to the full amount of your initial purchase.
Share your insights and review for the Dillard's Store Card
5
52%
4
22%
3
14%
2
6%
1
6%
4.0
294 reviews
294 reviews
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Layla1972 @Layla1972
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1 Star Rating
Dillard's Card does not stand behind their customers. I had fraud on my card that I did not authorize purchases 2 hours from my house, in a place I have never been, and they are funding me responsible! When I found the fraud because they did not. Multiple purchases every day for 18 days! I reported it as soon as my card was declined. Every other card company would find me not responsible. They are an awful company and this is serviced by Wells Fargo. I have disputed it twice to no avail. Their Executive Office is a joke, they will present your explanation then tell you they can just advocate but have no power in the decision. Its awful customer service. Get a Discover or Chase Card, they are much better at detecting fraud, actually pay attention and do not charge their customers for fraudulent purchases they did not make! Do NOT ever get a Dillard's card!
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rocktopus13 @rocktopus13
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1 Star Rating
Verified Customer
They have serious issues with their online payment portal which they are not willing to address via Wells Fargo. I STILL have a 30 day late mark on my credit report because of critical errors I found on THEIR website which prevented them from receiving my timely payment. Despite attempts for years now going back and forth with the credit bureaus AND WF Dillards, providing documentation of these proven critical errors on their payment website, proof that they gave NO late fee warnings (although it was their websites fault I was late) the credit bureaus have told me that WF Dillards is still unwilling or too lazy to budge on this. My credit score is literally flawless with 0 late payments and I keep an under 1% utilization ratio. QF Dillards alone has been preventing me from achieving an 800 score and has caused damages in me and my husband's life because we want to refinance our home when my score reaches over 800 like his. I am in contact with my attorney, about to begin litigation. I have found hundreds more people affected by this same issue. If you would like to participate in this too, please contact me. Hey Wells Fargo, this can all be avoided if you simply remove the late mark YOU are responsible for, which is not my fault at all. I have evidence of critical errors on the site during the time I submitted my timely payment, a track record of perfect on time payments with my 13 other credit cards, an email account showing zero warnings or notices from the company, and the evidence points to negligence on behalf of Wells Fargo. Please accept personal accountability. My credit score is worth the time and money I will invest into making this right but if you want to dodge that bullet, please do so now. I closed my account to prevent further abuse from Wells Fargo, but my maiden name on there was Danielle Saviello and my name now is Danielle Schumacher. I can be reached at 707-771-9711. I know now that I'm not the only person affected by this and if this is not addressed, I will make sure to help all the others I've met who have this same issue.
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2
0
josilynsmith355 @josilynsmith355
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1 Star Rating
Verified Customer
Applied for card went in multiple times "in store" to pay with money orders and had proof with money order stubs it was still marked as no payments so I called them and got transferred around for 45min! Now I have to get STATEMENTS from my bank and send it in to wells Fargo because some REALLY BAD customer service both in store at the Dillards (I used to love to shop in) and over the phone I have filed many disputes with all 3 credit beaurous and they "sugested" I contact the CREDITOR which means back to square 1. It was reported as NO payments and bad debt charge off, when in fact the opposite is true and I have proof from my bank.....horrible customer service I will never do business with this company...a bunch of lying dishonest thieving !@#$!!
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0
1
endodson @endodson
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4 Star Rating
I would love to open one for furniture purchases. My credit score is 648. Do I have a chance to obtain a Dillard’s charge card? I really would like to furnish our new home with a few key peices from Dillard’s
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scorpio_vle91 @scorpio_vle91
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1 Star Rating
Verified Customer
I am on the phone with their customer service right now for almost an hour and a half, still being transferring around. I had to call back 4 times during transfer and talked to 9 different people so far. All I want to do is to unlock my online account and dispute a charge that I do not recognize. Any other credit card company would take 10 minutes max and dispute charge online. I have Dillard's card for 8 years now. But I stopped using it this past 6 months after long travel, and everything got reset after they switched bank and my account got locked. The rewards seem no longer worth it because I don't shop at Dillard's online store that often anymore.
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0
kdnichole @kdnichole
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1 Star Rating
High interest, nearly non existent rewards
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0
Brittney McDowell @brittneym4
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4 Star Rating
I REALLY love having a Dillards account. Compared to other stores I have cards with, they provide the best incentive, in the form of deals. Matter of fact, I just went to Dillards the other day, bought several new outfits at 65% off with an additional 40% off. The frequency at which you find these types of deals is amazing. The only thing I DON'T like, is the fact that I live in Sacramento, and the nearest one is in Stockton (which I never go). SO I only get to go when I visit my grandmother in Reno. I schedule my trips when they are having deals ;-).
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Aaron Bronson @Abronson
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5 Star Rating
The Dillard's Store credit card is great for me because I love shopping at Dillard's and they constantly run promotions where if you make a qualifying purchase you get a really nice financing option for it. I've taken advantage of several of these and it's allowed me to get a bunch of really nice stuff that I wouldn't have been able to get otherwise.
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14
6
Quiana Gibson @qdg0891
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3 Star Rating
Dillards card is ok, I have had it for over 10 years. Dont use it that much anymore since I dont shop there as often as before. But it works as intended, the APR isnt the highest Ive seen but isnt the lowest either. I like the reward points system where you are allowed to accumulate $10 or 10% off purchases.
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6
5
Liz Morgan @liz15
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5 Star Rating
I use the Dillard's store card almost once or twice a week. I'm always buying clothes, gifts, and birthday presents from them. I love the reward program and you can't beat the coupons and savings you receive from them as well.
My husband and I own very few store credit cards, but this is one that I definitely can't live without!
Recently, my mother-in-law asked me about our rewards program we receive from there, and she was ecstatic to get hers in the mail as well. Can't be beat!
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