| Rewards | Earn points on purchases at DSW |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable 28.99% APR |
| Cash Advance Fee | $10 or 5% of the amount of each cash advance (whichever is greater) |
| Late Payment Fee | Up to $41 |
| Purchases APR | Variable 28.99% APR (based on creditworthiness) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The DSW Credit Card is a typical retail store card built around the DSW VIP Rewards program, best known for offering extra perks and points when you shop for shoes at DSW. It usually comes with no annual fee and occasional first-purchase discounts rather than a big signup bonus, which is pretty standard for store-branded cards.
Most users say they like the immediate perks—things like reward certificates, member-only discounts, and occasional free shipping promos. Many reviewers also appreciate that it’s easy to get approved compared to general travel or cash-back cards, especially if you’re a frequent DSW shopper.
On the downside, a lot of complaints focus on its high interest rate and limited value outside of DSW. Many cardholders mention that rewards don’t feel very meaningful unless you’re consistently buying shoes there, and redemption is fairly restricted. Some also feel the benefits aren’t strong enough to justify carrying another store card long-term.
Personally, I think it’s a decent “coupon card” for loyal DSW shoppers, but not a serious everyday credit card. If you’re not shopping there often, you’ll almost always get better long-term value from a flat-rate cash-back card instead.
RATE THIS CREDIT CARD
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Limited rewards for shoe lovers
This card only works well if you shop often at DSW. Outside the store, it offers little value and the rewards are slow to build. The high interest rate makes carrying a balance costly, so it's not a strong everyday card
