The Ultimate Guide to Credit Cards
Sunday, January 29, 2023

Dillard’s Credit Card Review (2023)

Dillard’s Credit Card Review ([current_year])

Store Credit Card

Brittney Mayer

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on, Eric has appeared regularly on, eHow, WiseBread, The Nest,, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

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Reviewed by: Adam West

Adam West

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Advertiser Disclosure

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.

Dillard's Card Overall Rating: 2.7/5.0

The Dillard's Credit Card is unlike most store cards in that it offers a range of APRs, rather than a single rate for all cardholders. Unfortunately, both ends of the range are high for a non-subprime credit card, making the card a poor choice for anyone who is likely to carry a balance. And that's not the only aspect of the card that is barely competitive in the greater market.

Although the Dillard's Credit Card's rewards rate of 2X points per dollar seems good at first, you'll need to earn 1,500 points — $750 in purchases — to actually redeem your rewards. Cardholders have two redemption options for those 1,500 points: a $10 Rewards Certificate or a 10% off Rewards Shipping Pass. Choosing the former, you'll get $10 back on $750 of spend, just a 1.3% return.

Dillard's Credit Card

  • APR: 24.49% to 26.49% as of Jul 2019
  • Annual Fee: $0
  • Rewards: Earn 2X points per dollar spent
★★★ 2.7/5.0

Even if you choose the latter option of a 10% off coupon, you'll need to spend at least $100 to get at least $10 in savings and the same 1.3% return. Given that you can obtain rewards credit cards that offer 2% cash back on all purchases — at any store, not just Dillard's — that 1.3% isn't terribly impressive. And to reach that 2% return rate with your Dillard's Credit Card, you'd need to use the 10% off coupon on a purchase of at least $150.

In addition to its meager rewards rate, the Dillard's Credit Card gives cardholders exclusive events and offers, as well as special financing on qualifying purchases. Be wary of the financing deals, however, as it's typical for these deals to use deferred financing, which means you'll need to pay off your entire purchase amount before the promotional period expires or you'll be charged interest fees on the full amount.

Cardholders who spend $2,000 or more on their Dillard's Credit Card in a calendar year can qualify for Elite status, which unlocks additional benefits like free standard shipping for online orders and invitations to private shopping events. Elite customers also gain access to a dedicated customer service number, which, based on the reviews, may be the most valuable benefit of all.

Approval Requirements & Application

While you'll have a better chance of being approved for a Dillard's Credit Card with at least fair credit, some reviewers report being approved with scores in the upper 500s.

Unlike nearly every credit card on the market today — including the vast majority of store credit cards — you can't apply for the Dillard's Credit Card online. Instead, you'll need to either head into a Dillard's store to fill out an application or request an application be mailed to you by calling customer service at 1-800-643-8276.

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.





  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
19.24% - 27.99% Variable

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.

BankAmericard® credit card Review

at Bank Of America'ssecure website





  • New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • 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)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 21 billing cycles for purchases
0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
16.24% - 26.24% Variable APR on purchases and balance transfers

Additional Disclosure: Bank of America is a CardRates advertiser.

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.

Discover it® Miles Review

at Discover Card'ssecure website





  • 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 16.24% to 27.24% Standard Variable Purchase APR will apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
16.24% - 27.24% Variable APR

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.
A review from says:

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! —

A review from says:

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. —

★★★ 3.0/5.0
A review from says:

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. —

★★ 1.5/5.0

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.

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.