Dillard’s American Express® Card review
Earn 2x points on store purchases and redeem them on a 10% back coupon.
- 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
Intro purchase APR
for the first 12 or 24 months on qualifying Club Plan purchases (then 9.99% to 21.74% variable)
Recommended credit score
|Rewards||2x points at Dillard’s and 1x points on all other purchases, plus 2x points at US gas stations and US supermarkets if you qualify for the American Express version|
|Purchase APR||0% intro for the first 12 or 24 months on qualifying Club Plan purchases (then 9.99% to 21.74% variable)|
|Balance transfer APR||N/A|
|Minimum Credit Score||670|
Kliment Dukovski is a credit cards and investments 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.
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 for a 10% discount pass for one day per billing cycle. This redemption options could prove valuable if you spend a lot 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 are likely a better choice.
How to apply for the Dillard’s American Express® Card?
- Visit Dillard’s website and scroll to the bottom of the page.
- Click Apply for a Dillard’s credit card.
- Click Continue twice.
- Enter your phone number and verify your identity by scanning the barcode on the back of your ID card with your smartphone camera.
- 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.
Dillard’s American Express® Card benefits
Dillard’s American Express® Card drawbacks
Compare store credit cards
If you’re interested in seeing how this card stacks up to similar store cards, select up to 4 cards and click Compare to see their features side-by-side.
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.