Rewards

Two 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 people who have good or excellent credit generally getting the Dillard’s Amex and those with fair credit being relegated to the store-only version. Unfortunately, the store card is about half as rewarding as the Amex. You can compare the two here as well as check your credit score for free.

No online application. For some reason, you can’t apply for the Dillard’s Credit Card online. You have to either apply at a store location or request to have an application mailed to you. That might not be a big deal to some people, but others will definitely see it as a major inconvenience.

Underwhelming rewards. You will earn 2 points per $1 spent at Dillard’s, which means you’ll need to spend at least $750 to reach the card’s 1,500-point redemption threshold. At that time, you can redeem for either a $10 gift certificate or a 10% discount. If you opt for the gift certificate, your earnings will be equal to 1.33% back. For context, the average cash back credit card offers 1.07% back. The other option’s value obviously depends on how much you spend on your discounted purchase, but it’s a better bet if that amount is at least $120. In that case, the discount would save you $12, and your total spending would be $870, resulting in an earning rate of 1.38% back. With that being said, neither option is all that enticing, considering the best store-affiliated credit cards offer 15%+ off your first purchase and 5% back on an ongoing basis.

No annual fee. Perhaps the best thing about the Dillard’s Credit Card is the fact that it doesn’t charge an annual fee. That saves you about $19.76 per year compared to the average credit card. But no annual fee is the norm for retailer-affiliated plastic, so its value shouldn’t be overstated.


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The Rewards of Dillard's Credit Card

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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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.

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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