The Dillard's Card, issued by Wells Fargo, pairs a standard store-rewards structure — Rewards Points redeemable for $10 certificates or 10%-off Shopping Passes — with a tiered loyalty layer called Card Elite, which rewards higher annual spenders with extras like free shipping.
How redemption flexibility works
At 1,500 Rewards Points, cardholders choose between a $10 Rewards Certificate or a 10% Off Shopping Pass (good for one calendar day's purchases), with a cap of 4 certificates or 1 pass per billing cycle, per Wells Fargo terms (verified June 2026). That choice — cash-like certificate vs. a percentage discount on a bigger purchase — is a genuine flexibility most single-format store cards don't offer.
The cost side
The Dillard's Mastercard version carries a 32.49% variable APR and a 3% foreign transaction fee; cash advances and balance transfers cost $10 or 5%, whichever is greater (all verified June 2026). As with most store cards, the rewards only pencil out if you avoid carrying a balance.
Our methodology
Every figure above is attributed to Wells Fargo's own published disclosures, verified June 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Confirm current terms at dillards.com before applying. See our full review methodology.