| Rewards | 2 points per $1 spent at Dillard’s (Mastercard version) also earns: 2 points at gas stations & supermarkets 1 point on all other purchases 1,500 points = $10 reward certificate or 10% off shopping pass |
|---|---|
| Signup Bonus | 10% off “Welcome Shopping Pass” Earned after spending $100 on the day you’re approved (up to $100 discount) |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | About 32.24% variable APR. |
| Cash Advance Fee | Either $10 or 4% of the amount, whichever is greater. |
| Late Payment Fee | Up to $40. |
| Purchases APR | Typically around 30.24% variable APR (can vary by creditworthiness and Prime Rate). |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Dillard’s Credit Card is a traditional store card that’s mainly built around in-store rewards and shopping perks, with no annual fee and a points system that converts into Dillard’s rewards certificates or discount offers. It also occasionally includes a welcome shopping discount for new cardholders.
Most users say they like the extra rewards on Dillard’s purchases, especially when combined with sales or seasonal promotions. Many reviewers mentioned the easy-to-understand points system and the occasional flexibility of using rewards toward future shopping trips as a nice perk for regular customers.
On the downside, many cardholders complain about the very high APR, which makes it a risky card to carry a balance on. Others note that rewards are limited to Dillard’s use only, which reduces overall flexibility compared to general cashback cards. Some also mention that benefits outside the store are minimal unless you have the Mastercard version.
Personally, I think this card only really makes sense for frequent Dillard’s shoppers who pay in full each month. If you’re looking for broader rewards or flexible cash back, you’ll almost always find better value with a general-purpose credit card.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
A
More Trouble Than It's Worth
I signed up at the register hoping for decent rewards, but the card turned into a headache. The points felt slow, and the billing system always seemed clunky. I eventually paid it off and stopped using it altogether.
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sabah barakat
5
S
dillarads credit card
6
