Citi
Dillard’s Credit Card
Key Features
| Annual Fee | $0.00 |
| Regular APR | As of 12/16/2025, the Dillard’s Credit Card Purchase APR: variable % - %, Min. interest charge $. Dillard’s Mastercard Purchase APR: variable % - % Balance Transfer APR: variable % Cash APR: variable % balance transfer fee is the greater of $ or % of the amount of each transfer cash advance fee is the greater of $ or % of the amount of each cash advance Min. interest charge: $ Fee for foreign purchases is % of the U.S. Dollar amount of each purchase |
| Other Fees | balance transfer fee is the greater of $ or % of the amount of each transfer cash advance fee is the greater of $ or % of the amount of each cash advance Min. interest charge: $ Fee for foreign purchases is % of the U.S. Dollar amount of each purchase |
About this card
The Dillard's Credit Card receives a Very Poor rating (1.23/5.0). While it offers a sign-up bonus and rewards on purchases, its drawbacks outweigh the benefits for most consumers. The high APR, foreign transaction fees, balance transfer fees, and limited rewards categories make it less appealing than general-purpose rewards cards. The overwhelmingly negative reputation stemming from low credit limits, poor customer service, and billing issues further diminishes its value. This card is only suitable for dedicated Dillard's shoppers who can overlook these significant shortcomings.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- Rewards on purchases
Things to consider
- High regular APR
- Foreign transaction fees apply
- Balance transfer fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- Open a Dillard's Credit Card Account and Earn a 10% off welcome shopping pass3 with your first statement when you make $100 in purchases with your Dillard’s Credit Card at Dillard’s on the day you’re approved (max. $100 discount).
Rewards
- Earn 2 points4 for qualifying purchases at Dillard’s with your Dillard’s Credit Card.
- 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
- Manage Your Account Online at dillards.accountonline.com
- Exclusive Mastercard priceless experiences and special offers5
- Manage your Account Online at dillards.accountonline.com
Additional Notes
Support is available 24 hours a day, 7 days a week. Dillard’s Credit Card: 1-833-773-0029 Dillard’s Mastercard: 1-833-773-0031 For TTY: Use 711 or other Relay Service. The Dillard’s Credit Card is issued by Citibank, N.A. The Dillard’s Mastercard is issued by Citibank, N.A. Mastercard, priceless and the circles design are registered trademarks of Mastercard International Incorporated. Dillard’s is a registered trademark of Dillard’s, Inc. Use Citi's online application or visit any Dillard's store to apply for a Dillard's Credit Card or Dillard’s Mastercard. When you apply, we will consider you for both the Dillard's Credit Card and the Dillard's Mastercard. If you're approved for both cards, you can select which card you prefer.