Citi
Dillard’s Mastercard®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 10% off Welcome Shopping Pass |
| Rewards Rate | 1-2x Points |
| Regular APR | Dillard’s Mastercard Purchase APR: variable % - % Balance Transfer APR: variable % Cash APR: variable % |
| 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 |
| Network | Mastercard |
About this card
The Dillard’s Mastercard receives an overall rating of 1.8 out of 5.0, classifying it as 'Poor'. This low rating is primarily driven by its extremely high Purchase APR of 32.49%, which makes carrying any balance prohibitively expensive and severely undermines any potential value. The card's reputation is also significantly hampered by widespread customer service issues and technical difficulties stemming from its recent transition to Citibank, creating a frustrating experience for many cardholders. While the card benefits from having no annual fee, this positive is largely overshadowed by other high fees, including a 3% foreign transaction fee and a 5% balance transfer fee. The rewards program, while offering 2 points per dollar at Dillard's, gas stations, and supermarkets, provides a low point valuation (0.67 cents per point) and highly restrictive redemption options, limited almost exclusively to Dillard's-specific shopping passes or certificates. The sign-up bonus is similarly restrictive and limited in value. Consequently, the card's value proposition is poor for most consumers, offering only a niche appeal to highly disciplined, loyal Dillard's shoppers who consistently pay their balance in full and rarely use the card for anything other than Dillard's purchases or category bonuses. For the average user, the significant drawbacks far outweigh the limited benefits.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- Rewards on specific categories
- Special financing offers
Things to consider
- Foreign transaction fees apply
- Balance transfer fees apply
- Rewards primarily tied to store credit
What this card offers
Sign-up bonuses
- 10% off Welcome Shopping Pass3
- Subject to credit approval. 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. After that, once you earn 1,500 points, you’ll receive with your statement within one to two billing cycles your choice of a 10% Off Shopping Pass or a $10 Rewards Certificate for eligible purchases at Dillard’s with your Dillard’s Credit Card or Dillard’s Mastercard. You will receive 10% Off Shopping Passes until you change your rewards selection. Welcome Shopping Pass and Shopping Passes are valid for a 10% discount on one day’s eligible purchases made at Dillard’s by 11:59pm Central Time on the day used. Welcome Shopping Pass has a $100 maximum discount. Welcome Shopping Pass and Shopping Passes cannot be combined with Dillard’s percentage-off coupons or Rewards Certificates. Welcome Shopping Pass, Shopping Passes, and Rewards Certificates cannot be credited to an account, redeemed for cash, or used for prior purchases, with other form of payment, or for purchasing gift cards. Dillard’s employees and Friends and Family Program participants are not eligible for this offer. Additional terms apply. See store associate or the Dillard’s Rewards Program Terms and Conditions at dillards.com/rewardsprogram to learn more. Subject to change without notice unless prohibited by law.
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
- Support is available 24 hours a day, 7 days a week.
- The Dillard’s Mastercard can be used anywhere Mastercard is accepted.
Additional Notes
The Dillard’s Mastercard is issued by Citibank, N.A.