Review
Citi Dillard’s Credit Card Review: Rewards for Loyal Dillard's Shoppers
If you're a Dillard's enthusiast, the Dillard's Credit Card could be your ticket to savings, with points earned on every purchase. But is it the right fit for your wallet? Our review dives deep.
| 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 |
| Rewards Rate | 1-2 points at select locations |
| Sign-up Bonus | 10% off welcome shopping pass |
| 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 |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 lim...