If you shop at Dillard's often, a store card promising points and special discounts can be tempting at the register. But before you say yes, it helps to know what the Dillard's credit card actually offers, its real rewards and APR, and whether it fits your credit. This Firstcard guide breaks it all down.
Key Facts at a Glance
| Issuer | Citibank, N.A. |
| Network | Store card (Dillard's only) or Dillard's Mastercard (anywhere) |
| Annual fee | $0 |
| Purchase APR | 32.49% variable |
| Other fees | 3% foreign transaction; $10 or 5% cash advance/balance transfer; up to $41 late/returned |
| Rewards | 2x at Dillard's, 2x US gas/supermarkets, 1x else (Mastercard); 1,500 pts = $10 |
| Welcome bonus | No fixed bonus; enrollment/first-purchase discounts vary |
| Typical credit limit | Not published; set by creditworthiness (reported average around $695 score profiles) |
| Credit score | Store card typically 640+; Mastercard typically good credit (~670+) |
| Reports to | Experian, TransUnion, Equifax |
Facts verified as of June 2026 against the Citibank cardholder agreement on file with the CFPB and Dillard's disclosures.
What Is the Dillard's Credit Card?
The Dillard's credit card is a retail card issued by Citibank, N.A. It rewards you for shopping at Dillard's, and one version can be used anywhere. The main draw is shopper perks rather than broad cash back.
Two Versions to Know
When you apply, you may end up with one of two products:
- A store-only card that works at Dillard's, in store and online (closed-loop).
- A Dillard's Mastercard that works anywhere Mastercard is accepted (open-loop).
Which one you get usually depends on your credit. Stronger credit tends to qualify for the Mastercard, while fair credit may get the store-only card. If you are not sure which tier you fall into, our guide on how to choose a credit card can help.
Dillard's Credit Card Rewards
The Dillard's Mastercard earns, as of June 2026:
- 2 points per $1 at Dillard's
- 2 points per $1 at U.S. gas stations and U.S. supermarkets and grocery stores
- 1 point per $1 on all other purchases
Once you reach 1,500 points, you receive your choice of a $10 rewards certificate or a 10% off shopping pass for eligible Dillard's purchases. There is no fixed sign-up bonus, though Dillard's runs enrollment and first-purchase discounts that vary. The card also offers a tiered Card Elite program (Luxe, Premium, and Elite status), where higher annual Dillard's spending unlocks extra benefits like free shipping and bonus shopping passes. The store-only version earns rewards on Dillard's purchases.
Dillard's Credit Card APR and Fees
According to the Citibank cardholder agreement on file with the Consumer Financial Protection Bureau, as of June 2026 the Dillard's Mastercard carries:
- Purchase APR: 32.49% variable (it moves with the Prime Rate, which was 6.75% as of December 2025)
- Annual fee: none
- Foreign transaction fee: 3% of each purchase
- Cash advance and balance transfer: $10 or 5%, whichever is greater
- Late and returned payment: up to $41 each; minimum interest charge $2
That is a high APR, so it is only cheap if you pay in full each month. Carry a balance and interest will easily outweigh the points you earn. You can track your score for free at Creditship.ai as you decide whether this card fits.
Approval, Credit Limit, and Who Qualifies
The store-only version may be available to applicants with fair credit, around a 640 FICO or higher, while the Dillard's Mastercard usually wants good credit, around 670 or above. Aggregated data shows approved cardholders averaging near a 695 score. The application is a hard credit pull. Citi does not publish a starting credit limit; it is set from your income and credit history, so you will not know your line until you are approved. Keep balances low, since a high balance on a low-limit store card can spike utilization and drag your score down.
Citi reports activity to all three major bureaus (Experian, TransUnion, and Equifax), so on-time payments help your credit over time. If your score is in the middle, it is worth scanning the best credit cards for less than perfect credit before you decide.
Building Credit Before You Apply
If you are not approved, or you want a more flexible card you can use everywhere, building your credit first is the smart move. The Self Visa Credit Card is one of the simplest ways to build it: backed by your own savings, reports to all three bureaus, and high approval odds.
Worried about approval, or not in the score range yet? An unsecured starter card lets you spend anywhere while you build, which a store-only account cannot. The Aspire Mastercard takes no security deposit, accepts applicants from the 580 FICO range, reports to all three bureaus, and pays up to 3% cash back.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Dillard's Card vs. a General Rewards Card
A store card shines if you shop at one place a lot. A general card spreads rewards across all your spending. If you want rewards everywhere you spend, one of the best personal credit cards for rewards is usually more flexible than a 2x-at-Dillard's structure.
Is the Dillard's Credit Card Worth It?
For a regular Dillard's shopper who pays in full each month, the Dillard's credit card can offer worthwhile points and Card Elite perks. If you rarely shop there or tend to carry a balance at 32.49%, the value shrinks fast. If your credit is not ready, build it first with a tool like the Self Visa Credit Card or the Aspire Mastercard, then revisit your options. Terms and conditions apply.
Frequently Asked Questions
What is the APR on the Dillard's credit card?
As of June 2026, the Dillard's Mastercard purchase APR is 32.49% variable, tied to the Prime Rate, per the Citibank agreement on file with the CFPB. At that rate, carrying a balance can outweigh the points you earn.
How do the Dillard's rewards work?
The Dillard's Mastercard earns 2 points per $1 at Dillard's, 2 points per $1 at U.S. gas stations and supermarkets, and 1 point per $1 elsewhere. At 1,500 points you get a $10 certificate or a 10% off shopping pass. A tiered Card Elite program adds perks at higher annual spend.
What credit score and limit do I need for the Dillard's card?
The store-only version may be available with fair credit (around 640+), while the Dillard's Mastercard usually wants good credit (around 670+), after a hard pull. Citi does not publish a starting limit; it is set by your income and credit history, so you will not know your line until approved.
Does the Dillard's credit card have an annual fee?
No annual fee as of June 2026. The Mastercard version charges a 3% foreign transaction fee, cash advances and balance transfers cost $10 or 5%, and late or returned payments cost up to $41 each.
