Can you use this card anywhere?
1
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Raymond Black
Sorry, only at Dillard's for this one.
Dillard's Store Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Dillard's Store Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubNo membership fees0% intro APR on purchasesHigh rewards rate10% Off Shopping Pass initial rewards bonusHigh regular APR
WalletHubNo membership fees0% intro APR on purchasesHigh rewards rate10% Off Shopping Pass initial rewards bonusHigh regular APRDillard's Store Card
Dillard's Store Card
Info about Dillard's Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
RewardsAPRReviewsQ&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
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.
Reach 1,500 points and earn an All-Day 10% off rewards shopping pass or a $10 Rewards Certificate.
Exclusive events and offers.
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, 29.49% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
Dillard's Store Card Pros & Cons
No membership fees
0% intro APR on purchases
High rewards rate
10% Off Shopping Pass initial rewards bonus
High regular APR
Dillard's Store Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 23 days |
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.
Questions & Answers
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 card.
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What credit score do I need for the Dillard's credit card?
1
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How do you get cash advances on the Dillard's card?
1
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Dale Perkins
You can't on this one.
If you have a credit score of 570 are you likely to be approved?
1
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Why was my Dillard's Store Card application denied?
1
UpvoteReply
Robert W Polk
There are many reasons why your Dillard's Store Card application would be denied, from a too low credit score to them simply not being able to verify your identity. In any case, Wells Fargo will always give you the reason behind the rejection. If what they said isn't clear enough,...
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What credit bureau does Dillard's pull from?
1
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Robert W Polk
The Dillard's Store Card is issued by Wells Fargo, which may pull a report from one or more of the three major credit bureaus when evaluating your application.
How can I find out how much money is on a Dillard's gift card?
1
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Can I get a copy or a virtual card of my dillards card while I wait on replacement
0
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Compare The Dillard's Store Card
Purchase Intro APR0% for 12 - 24 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Transfer Intro APRNot Offered
Regular APR29.49% (V)
Regular APR13.25% - 18.00% (V)
Regular APR17.99% or 29.49% (Variable)
Rewards Rate2 points / $1
Rewards Rate1 - 2 points / $1
Rewards Rate1 - 5% Cash Back
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Dillard's Store Card Reviews
Share your insights and review the Dillard's Store Card
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292 reviews
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1 Star Rating
I used to shop at Dillard's and I would always pay with my other cards. While on their website, I noticed they had a store card. I figured I would apply since I shop their weekly. I was happy when I was approved, but then things went south. I was on time paying all my bills and even had a credit increase. My husband lost his job and I had to call their customer service and cancel my card as well as get the ending balance. The lady I spoke with was not only rude, but she seemed like I was not allowed to cancel my card. After about 40 minutes on the phone arguing with her, I asked for a supervisor. I was transferred, not willingly, and had no problems. I love shopping there but I am so glad I no longer have their card.
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4 Star Rating
I love to shop at Dillard's for just about everything. Their store card has been a blessing to me, which I've had for the past 18 years. They actually extended my credit back in 1996 starting at a mere $500 and the relationship has built from there. I was impressed and surprised that such a reputable store took a chance on a student since they really don't have to being their size. Their customer service is always outstanding and I have enjoyed my financial relationship with them thoroughly. Throughout the years my credit limit has increased and my interest rate is now almost non-existent, even with a less than perfect payment history.
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4 Star Rating
I have always been a regular Dillard's customer; my mom and I have a joint card, and I use it every year to buy school clothes. The 10% you get off when you sign up is nice, but really only if you had been planning on making a big purchase anyway; I feel the incentive there could be a little better. That being said, the point system is pretty nice and we actually get to redeem them every so often because we frequently shop there. The APR seems pretty steep compared to other cards, but, compared to other store credit cards, it's about average. Overall, it's a great deal if you shop there often; otherwise, just use the credit card you already have.
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1 Star Rating
They were fantastic at first, then about two years ago they started to mess around with my privileges like the free gift wrapping and the free shipping. Then I noticed that every time they paid they would reduce my limit. After a while I noticed that they started to charge for services that were free. I paid off all that I owed them according to my figures and walked away. l love the card and the store but i did not like the customer service reps had one that was so aggressive and rude. I no longer have their store credit card.
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4 Star Rating
I like that for the Dillard's Store Card you get 10% off the whole first month, what I don't like is that you have to spend at least $100 on the first time you go there. The APR doesn't really matter to me because I pay off all of my credit cards each month. The other neat thing is that you get 2 points for every dollar you spend, most places you only get 1 point for each dollar! I also think it's a great way to bump up your credit score (if you know how to limit your spending and pay it off every month! :)
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5 Star Rating
The store card offered by Dillard's is actually one of the better store cards on the market. Its offered to a bigger selection of people not just those with great credit which ultimately allows those with not so great credit to build up there credit scores and get some nice clothing while doing it. Another big plus of the Dillard's Store Card is that you save 10% on all purchases, which may not sound like a lot but depending on how much you spend can add up to major savings in no time. if your considering only getting one store card the Dillard's Store card should be it.
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3 Star Rating
When it comes to the Dillard's Store Card, this is a good offer, but not great. Taking 10% off your first purchase is a good incentive, but the fact that you have to spend $100 to get it is a little steep. The rewards program is more generous, with two points for every dollar. That's a good reason to get the card if you shop at Dillard's often. The main issue I have is the 22.99% interest rate, with no intro rate. You can get a much better rate with a regular credit card. Plus, many regular credit cards have rewards programs, too. This card would be perfect with just a few changes. Make the first purchase discount a little friendlier and reduce the interest rate - or at least have a better intro rate. Conclusion: this card is a good choice only for people who frequently shop at Dillard's and don't rack up a high balance.
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5 Star Rating
To start off, Dillards is one of my favorite stores to shop at. I like the variety and prices. I have also never had a bad experience there. I am a regular customer. Now with that said, the Dillard's Store Card is amazing. The rates are great. One of the things I really like about this card is the gifts. I love racking up points and getting things. You can even get discounts. The only thing I dislike only a little is, now even though the rates are great, if you compare it to a card like Slate by Chase, the rates aren't that great but, the Chase card does not have any rewards so this makes The Dillard's store card is better.
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5 Star Rating
I love shopping at Dillard's. Its one of my firs choices to go. You can avoid the interest rate and still get your points by paying off the balance immediately at the register. Your rewards are in the form of points which are redeemable for gift cards. for every dollar you spend you get 2 points. If you're like me your points rack up fast. You are also eligible for other discounts for just using it. They have a great selection of merchandise, do if you can't find anything to spend your rewards on there is something wrong with you :)
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5 Star Rating
I love this card. It's so convenient to use since I shop at Dillard's all the time. The interest rate is decent and the best part is you earn rewards with your card by receiving gif cards just from shopping. As much shopping as I do, I get a new gift card every other week. Also I have referred some friends to use this card and I have gotten great specials and benefits. Ask the customer service to see what you can qualify for with your card. All in all, I am satisfied with this card so far.
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Offer last updated: May 31st, 2023 at 17:44 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
0% for 12 billing cycles $0 Transfer Fee
REGULAR APR
13.25% - 18.00% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 2 points / $1
BONUS OFFER
20,000 points
MINIMUM CREDIT