As with many major department stores today, Dillard's began with a single small-town store in Arkansas opened by William T. Dillard in 1938. These days, Dillard's has over 275 stores and can be found in hundreds of malls across America. The popular mall anchor offers a wide range of products, including women's, men's, and children's apparel, in addition to household goods like bedding and furniture.
For the dedicated Dillard's shoppers whose wardrobes and living rooms come right from the Dillard's showrooms, the Dillard's Credit Card can offer a way to earn rewards on every new cardigan and cast-iron cooker. But while the Dillard's Credit Card might be worthwhile for the most frequent shoppers, the rewards it offers can be beaten by other rewards cards — ones with fewer limitations and lower interest rates.
Better Cards to Use at Dillard's
Given that the Dillard's Credit Card has a fairly high APR range and lackluster rewards at best, finding a better credit card will likely be a simple affair for all but the worst credit profiles — though, even then, there are some secured credit cards out there offering decent rewards and lower rates.
With at least good credit, nearly any prime credit card on the market can provide a better interest rate, with 0% intro-APR offers common. And even the most basic rewards credit card will offer comparable earnings, with some cards offering nearly twice the rewards as a matter of course.
Cash Back
With a puny 1.3% average rewards return, the Dillard's Credit Card is barely more valuable than the typical rewards credit card's base 1% cash back rate — and many cards are available with unlimited 1.5% to 2% cash back on every purchase, everywhere, including Dillard's. You can even find credit cards with bonus categories that include department store purchases that could net you 3% cash back or more.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
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0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
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18.24% - 28.24% Variable APR on purchases and balance transfers
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$0
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Excellent/Good
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Additional Disclosure: Bank of America is a CardRates advertiser.
0% APR
Unless you're used to the high rates of subprime credit cards, the Dillard's Credit Card's APR is high enough to warrant a second glance. This is especially true when you consider the vast number of cards on the market offering 0% interest for 12 months or more.
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
- Member FDIC
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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0% Intro APR on Purchases 18 months
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0% Intro APR on Balance Transfers 18 months
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20.49% - 29.24% Variable
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$0
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Good/Excellent
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Travel Rewards
Although cash back rewards are the most straightforward of credit card rewards, travel rewards can often provide even more value when redeemed wisely. With the right travel rewards credit card, you can turn your new wardrobe or living room set into free flights and hotel stays — because nothing makes coming home sweeter than getting away every once in a while.
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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---|---|---|---|---|
0% Intro APR for 15 months
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0% Intro APR for 15 months
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17.24% - 28.24% Variable APR
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$0
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Excellent/Good
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In today's credit card market, the options for earning rewards and finding killer interest rate deals are so abundant that it's a shock when a card offers such paltry perks as those provided by the Dillard's Credit Card. For most shoppers, it's a better idea to choose an all-purpose rewards card than waste wallet space on a card that not only has weak rewards but is also limited to being used only on Dillard's purchases.
What Others Say About the Dillard's Credit Card
Based on consumer reviews, it seems the customer service for the Dillard's Credit Card is pretty hit or miss, with many consumers complaining about rude or unhelpful customer service representatives and managers. And while many reviewers are in favor of the sales and discounts available, some reviewers reporting being unhappy about the devaluation of the card's rewards over the years.

I have had a credit card with Dillard's for a very long time. I spend thousands every year. I have never been late on a payment, EVER! They sent me a late charge in January of 2015. I have a confirmation number from THEM that it was paid EARLY! I thought it was all cleared up when they REVERSED THE LATE CHARGE. But No! Hours and Hours on the phone with them. They have sent me to Equifax and TransUnion! I am trying to buy another home and this cost me points! This has been weeks! I disputed it with the credit bureaus but Dillard's says it may take them another 30 days to take care of this! There is no one to take care of this? It would take them seconds to make it go away! Another hour on the phone today! I cannot believe this! — ConsumerAffairs.com
”
One of the first credit cards I ever got was a Dillard's credit card. I was excited because I had just gotten an office job and needed to buy an entire wardrobe because I’d never had a job like that before. I was able to go in and get everything I needed. Then I got my first bill and realized, that I probably should have waited and bought a few things at a time because my new job would take a while to pay off what I’d already spent. Their interest rate was pretty high and I felt like I was always trying to dig myself out of a hole. I did have to call their customer service a couple of times and they were friendly and took care of my issue quickly. — WalletHub.com
”
I have had my Dillard's card now for 2 months. About a month ago I called to ask if I had any type of payment due on my account (I never received a statement and still to this day never have). At that time the lady I spoke with told me that there had been a statement mailed to me and that my payment was 2 days late. After explaining to her that I never received anything in the mail she walked me through setting up an online account so I would have the information at all times. I made the payment and she told me that she was noting my account so that if my next statement had a late fee from this I could call back and have it taken care of. Well, sure enough, my next statement had more than one fee charged to it and put me over my credit limit so now I had over-the-limit fees also. I called today to discuss the charges and the supervisor I spoke with was very rude and said that she would not remove any charges and there was no evidence that what I was saying was true. — MyThreeCents.com
”Is the Dillard's Card Right for You?
Since the Dillard's Credit Card offers two different redemption options, it's possible that shoppers who frequently make large Dillard's purchases can get significant value out of the card's rewards. Unless you're going to spend hundreds at a time, however, the rewards will likely leave a lot to be desired.
Overall, most rewards cards on the market will provide nearly the same returns as the Dillard's Credit Card, and they'll do it without limiting your purchases to a single retailer. Unless your sole purpose of obtaining a Dillard's Credit Card is to build credit (in which case, never, never, never carry a balance!) then you'll likely be better off using another card for your purchases — including your Dillard's purchases.
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