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Dillard’s American Express® Card review

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Earn accelerated points on purchases made at the store.

  • Get this card if your business spends thousands of dollars on office supplies and gas.
  • Pick something else if you’re looking for travel rewards or a low balance transfer intro APR.
  • Apply for this card with an excellent credit score of 740 or higher.

Up to 2x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 12 or 24 months on qualifying Club Plan purchases (then 9.99% to 21.74% variable)

670

Recommended credit score

Details

Product NameDillard’s American Express® Card
Card typeStore card
Annual fee$0
Purchase APR0% intro for the first 12 or 24 months on qualifying Club Plan purchases (then 9.99% to 21.74% variable)
Balance transfer APRN/A
Cash advance rate26.99% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $37

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Dillard’s American Express® Card has two versions — a store card and an American Express credit card — both with a $0 annual fee and a rewards program with 2x points on Dillard’s purchases and 1x points on everything else. If you get the American Express card, you also earn 2x points at US gas stations and US supermarkets.

Unfortunately, you don’t get to choose which card to apply for. Instead, there’s one application and based on your creditworthiness, Wells Fargo will determine whether to approve you for the store card or the Amex card.

Another downside is the points redemption. You need a minimum of 1,500 points — $750 spent at Dillard’s — to redeem either for a $10 gift certificate or a 10% discount pass for one day per billing cycle. The first redemption option equals 1.33% cashback value, which is not at all impressive. The second redemption option, however, could be more valuable if you spend more at the store; For example, the discount for $750 spent at Dillard’s will equal 5% back.

Because of that, the Dillard’s credit card is only useful if you spend $1,500 or more annually at the store. If you don’t, other reward credit cards could be the better choice.

0% promotional financing

If you make purchases of $200 or more on Dillard’s men’s tailored clothing and home furnishings, you can get 12 months of promotional 0% APR.

For purchases of $2,500 on men’s tailored clothing and home furnishings, you can get 24 months of promotional 0% APR.

For any balances remaining after the end of either promo period, you’ll pay a variable APR of 9.99% to 21.74%.

How to apply for the Dillard’s American Express® Card?

  1. Visit Dillard’s website and scroll to the bottom of the page.
  2. Click Apply for a Dillard’s credit card.
  3. Click Continue twice.
  4. Enter your phone number and verify your identity by scanning the barcode on the back of your ID card with your smartphone camera.
  5. Submit your application.

What credit score do I need?

To get the American Express version of the credit card, you need a good credit score of 670 or higher. If your score is lower than that, you’ll likely get the store card version.

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Bottom line

The Dillard’s American Express® Card is designed for Dillard’s regulars. But to get the most of the card, you need to spend at least $750 annually on the 2x categories. Then you can earn a discount for one day per billing cycle. If you spend more than $750 annually, the card will be even more valuable.

But if you think other store cards or rewards cards will be a better choice for you, make sure to compare your options.

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