Wells Fargo
Dillard's Card Review 2026
Store card earning Rewards Certificates and 10%-off Shopping Passes, with a tiered Card Elite loyalty program.
Who Dillard's Card is best for
Frequent Dillard's shoppers who want tiered perks and pay their balance in full each month.
At a glance
- Annual fee
- $0
- Purchase APR
- 32.49% variable
- Rewards threshold
- 1,500 points
- Foreign transaction fee
- 3%
Per Wells Fargo, verified June 2026
Dillard's Mastercard version — verified June 2026
= $10 Rewards Certificate or 10% Off Shopping Pass
Applies on the Mastercard version — per Wells Fargo, verified June 2026
Pros
- +No annual fee
- +Tiered Card Elite program (Luxe, Premium, Elite) adds free shipping and bonus passes for higher spenders
- +Flexible redemption — choose a $10 certificate or a 10%-off Shopping Pass
- +Up to 4 Rewards Certificates or 1 Shopping Pass per billing cycle
Cons
- −32.49% variable APR is high — costly if you carry a balance
- −3% foreign transaction fee on the Mastercard version
- −Cash advances and balance transfers cost $10 or 5%, whichever is greater
- −Late or returned payments cost up to $41 each
Dillard's Card requirements
- Store-card approval range (fair-good credit typical)
- US residents 18+
- Hard credit pull required
Dillard's Card alternatives
Top alternatives worth comparing from Dillard's Credit Card: Complete 2026 Guide.
Comenity Bank, a Bread Financial company
KAY Jewelers Credit Card
Compare against a specialty-retailer card with deferred-interest financing instead of rewards points
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See all picks in Dillard's Credit Card: Complete 2026 Guide
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Read the full guide →Bottom line
Dillard's Card scores 4.0 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Frequent Dillard's shoppers who want tiered perks and pay their balance in full each month.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Dillard's Card
How do Dillard's Card rewards work?+
Dillard's Card cardmembers earn Rewards Points that convert into a $10 Rewards Certificate or a 10% Off Shopping Pass once you reach 1,500 points, per Wells Fargo terms (verified June 2026). You can earn up to 4 Rewards Certificates or 1 Shopping Pass per billing cycle. A Shopping Pass gives 10% off one calendar day's purchases at Dillard's.
What is the Dillard's Card Elite program?+
Card Elite is a tiered loyalty program (Luxe, Premium, and Elite status) layered on top of the standard Dillard's Card rewards. Higher annual spending at Dillard's unlocks additional perks like free shipping and bonus Shopping Passes, per Wells Fargo/Dillard's terms (verified June 2026).
Does the Dillard's Card charge a foreign transaction fee?+
Yes, on the Dillard's Mastercard version — a 3% foreign transaction fee applies, per Wells Fargo terms (verified June 2026). Cash advances and balance transfers on the card cost $10 or 5% of the transaction, whichever is greater.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Dillard's Card. The card is issued by Wells Fargo and is a product of Dillard's, Inc.. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms at dillards.com before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.