Review
Citi Dillard's Mastercard® Review: Rewards for Loyal Dillard's Shoppers
Earning rewards with the Dillard's Mastercard® is simple, especially if you're a frequent shopper. But with its high APR and limited redemption options, find out if this card is really worth it.
| 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 |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 ba...