Citi
Dillard’s Mastercard®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 10% off Welcome Shopping Pass |
| Rewards Rate | 1-2 points at select locations |
| Regular APR | Dillard’s Mastercard Purchase APR: variable 32.49% Balance Transfer APR: variable 32.49% Cash APR: variable 32.49% |
| Other Fees | balance transfer fee is the greater of $10 or 5% of the amount of each transfer cash advance fee is the greater of $10 or 5% of the amount of each cash advance Min. interest charge: $2 Fee for foreign purchases is 3% of the U.S. Dollar amount of each purchase |
| Network | Mastercard |
About this card
The Dillard's Mastercard receives an overall rating of 1.8 out of 5.0. While it has the benefit of no annual fee, this is overshadowed by several significant drawbacks. The extremely high APR of 32.49% makes it a very expensive card for carrying a balance, severely limiting its value. The rewards program, while offering decent rates at Dillard's and on gas/groceries, is restricted in its redemption options. The presence of a foreign transaction fee and high balance transfer/cash advance fees further detract from its appeal. Furthermore, the card suffers from a poor reputation, with numerous complaints about customer service and technical issues following the transition to Citi. These factors combine to make the Dillard's Mastercard a below-average option for most consumers. Its primary value is limited to loyal Dillard's shoppers who can avoid carrying a balance and don't need to use the card internationally.
Pros & Cons
What's great
- No annual fee
- Rewards on purchases
- Sign-up bonus
Things to consider
- High regular APR
- Foreign transaction fees apply
- High balance transfer fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- 10% off Welcome Shopping Pass3
- To qualify for Welcome Shopping Pass, you must charge $100 in net purchases (purchases minus returns/credits) with your Dillard’s Credit Card or Dillard’s Mastercard at Dillard’s stores or dillards.com on the day of account opening.
- Welcome Shopping Pass will be included in your first statement.
- Welcome Shopping Pass has a $100 maximum discount.
Rewards
- 2 points4 at Dillard's
- 2 points4 at gas stations and supermarkets
- 1 point4 on all other purchases
Other features
- No annual fee1
- Special Financing Offers2 on qualifying purchases
- Exclusive Mastercard® priceless experiences and special offers5
- Manage your Account Online at dillards.accountonline.com
- Get a Dillard's 10% off3 one-day shopping pass or $10 off3 rewards certificate for every 1,500 points earned3
- Support is available 24 hours a day, 7 days a week.