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Dillard’s Credit Card Review

Dillard’s offers shoppers a wide variety of fashionable family apparel and eclectic home merchandise at great prices. What’s even better? The Dillard’s Credit Card offers you some great Benefits, Rewards, and Points that are advantageous in big ways!

Read on to get answers to your most frequently asked questions about acquiring a new Dillard’s Credit Card, and get all the details you need to make your shopping experience that much more rewarding!

Top PerksDillard's card review

  1. All Cardmembers can earn. Earn 2 points per $1 in net purchases when you shop at Dillard’s with your Dillard’s Card (in-store, online, by catalog or by phone)
  2. 0% APR. Qualifying Club Plan purchases have a 0% APR for 12 or 24 months
  3. Get Rewarded. Earn 1500 rewards points to be awarded Shopping Passes or Rewards Certificates
  4. Welcome to the Club. Earn a 10% Off Welcome Shopping Pass in your first statement when you open an account and charge $100

Key Details

  • U.S. Prime Rate + 19.74% to 21.74% APR for purchases
  • No annual fee
  • Up to $37 late payment fee
  • Minimum interest charge of $1.00 per credit plan
  • Apply in store or by mail

How the Dillard’s Card Point System Works

Dillard’s really had you in mind when they created their Points system. Dillard’s Credit Card allows you to earn points redeemable for store cash every time you make purchases using your Dillard’s Card. They even left room for growth with their Exclusive Elite Benefits Program! Make over $2000 in net purchases within a calendar year and achieve Elite Status for added bonuses.

  • Dillard’s Credit Card Benefits
      • Make a purchase of $100 for a chance to redeem your Welcome Pass for 10% off
      • Earn 2 rewards points for every $1 in net purchases
      • Redeem every 1,500 points for your choice of a 10% Off Shopping Pass or a $10 Rewards Certificate
      • Shopping Passes are valid for a 10% discount on one calendar day’s purchases
      • Rewards are included with your monthly statement
      • Rewards points expire at the end of the 12th month after points are earned
      • Rewards points are redeemed on a first-in, first-out basis
  • Dillard’s Elite Status Card Benefits
      • Collect 1,500 points and redeem for your choice of 10% off a Rewards Shopping Pass or a $10 Rewards Certificate
      • Standard shipping on dillards.com purchases
      • Gift wrapping benefits for purchases made at Dillard’s stores
      • Double rewards points (2 points plus 2 bonus points) are earned on your net purchases with Dillard’s
      • Rewards are included with your monthly statement
      • Rewards points expire at the end of the 12th month after points are earned
      • Rewards points are redeemed on a first-in, first-out basis

It’s that simple…Shop. Earn. Redeem.

Snapshot of the Points System in Action

You earn your first reward by making just $100 in purchases when you apply your welcome pass for 10% off your items. Then, you are rewarded for every $750 in purchases you make at 2 points per purchase.

Collect 1,500 points and redeem them for your choice of 10% off a Rewards Shopping Pass or a $10 Rewards Certificate. Your certificates are accepted at all Dillard’s locations and online.

Who is This Credit Card Best For?

The Dillard’s Classic Card is best for frequent Dillard’s shoppers that like to earn benefits redeemable at Dillard’s. Considering the array of items Dillard’s has available, you can rack up on points easily. Dillard’s gives you access to the items you love to buy and rewards you for your purchases. And, hey, who doesn’t love to shop?

How to Get a Dillard’s Credit Card

Dillard’s accepts applications in stores and online. Click here to find the store closest to you. It only takes a few minutes to get started! You can also call them up at 1-800-643-8276 to receive an application by mail.

What Else Should I Know About?

The Dillard’s Credit Card has no annual fee attached so you don’t have to worry about those extra fees. The Card carries an annual percentage rate of the U.S. Prime Rate + 19.74% to 21.74% based on your credit. To take advantage of the no-interest option, you should pay your entire balance by the due date each month. There is also a low minimum interest charge of $1.00 per credit plan. Also, avoid late payments as there is a penalty fee of up to $37. Lastly, Dillard’s affords you with 0% APR for 12 or 24 months on qualifying Club Plan purchases in the men’s tailored clothing, home furnishings, and furniture departments.

Tip for Using the Dillard’s Credit Card

  1. Make your payments on time. The Rewards Program is automatically available as long as your account is open and you don’t have more than two past-due payments.
  2. Everyone has their limits. You are limited to 4 Rewards Certificates or one Shopping Pass per billing cycle. You can collect a maximum of 48 Rewards Certificates or 12 Shopping Passes per account, per calendar year. For the Rewards Points that you earn, and that have not been used toward the issuance of a Rewards Certificate or Shopping Pass will expire at the end of the 12th month. Rewards Points are redeemed on a first-in, first-out basis.
  3. Don’t forget to show them the money! Shopping Passes are only valid for a 10% discount on one calendar day’s purchases made at Dillard’s with your Dillard’s Credit Card. Both Shopping Passes and Rewards Certificates must be presented at the time you make your purchase.

How to Use Your Dillard’s Credit Card with Giving Assistant

When you go to Giving Assistant you’ll find verified coupons for multiple brands that offer up to 30% savings on select items. By using a Giving Assistant-provided link when you shop you have the potential to earn cash back, save on your purchase price, and get the added benefits from your Dillard’s Credit Card when you pay for your purchase.

To get started, you first need to sign up for an account on Giving Assistant. Once enrolled, visit the Giving Assistant Dillard’s store page here to view the current coupons, promo codes, and deals.

Download the Giving Assistant browser extension called the Button, to automatically populate the highest-value coupons as you visit thousands of online shopping websites.

Maximize your rewards earnings and saving potential by combining your Dillard’s Credit Card with discount codes and offers found at Giving Assistant today!

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