Full Review

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.

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.


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Dillard's Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Dillard's Credit Card
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 Credit Card

How to Apply For Dillard's Credit Card
You can apply for the Dillard’s Credit Card at a Dillard’s store or by mail. Unfortunately, there's no way to apply for a Dillard's card online. To receive an application by mail,call 800-643-8276. Or find the nearest store.

The Rewards of Dillard's Credit Card
RewardsTwo options, one application. There are two Dillard’s cards: the Dillard’s American Express Credit Card and the Dillard’s Store Card. You don’t get to choose between them though, as there is but a single application. The decision ultimately comes down to your credit standing, with peo

How to Get the Most Out of Dillard's Credit Card
spend money in net purchases at Dillard's, grocery stores and gas stations with rewardShop your way to Elite Status and maintain that status

Dillard's Credit Card Payment
Paying your Dillard's credit card online can save you the hassle of buying postage and mailing your payment. Navigate to the online payment center on the Dillard's website.Sign up for an online account to create a Dillard's login if you haven't already done so.Enter your usernam