Full Review

The Dillard's Credit Card is unlike most store cards in that it offers a range of APRs, rather than a single rate for all cardholders. Unfortunately, both ends of the range are high for a non-subprime credit card, making the card a poor choice for anyone who is likely to carry a balance. And that's not the only aspect of the card that is barely competitive in the greater market.

Although the Dillard's Credit Card's rewards rate of 2X points per dollar seems good at first, you'll need to earn 1,500 points — $750 in purchases — to actually redeem your rewards. Cardholders have two redemption options for those 1,500 points: a $10 Rewards Certificate or a 10% off Rewards Shipping Pass. Choosing the former, you'll get $10 back on $750 of spend, just a 1.3% return.

Even if you choose the latter option of a 10% off coupon, you'll need to spend at least $100 to get at least $10 in savings and the same 1.3% return. Given that you can obtain rewards credit cards that offer 2% cash back on all purchases — at any store, not just Dillard's — that 1.3% isn't terribly impressive. And to reach that 2% return rate with your Dillard's Credit Card, you'd need to use the 10% off coupon on a purchase of at least $150.

In addition to its meager rewards rate, the Dillard's Credit Card gives cardholders exclusive events and offers, as well as special financing on qualifying purchases. Be wary of the financing deals, however, as it's typical for these deals to use deferred financing, which means you'll need to pay off your entire purchase amount before the promotional period expires or you'll be charged interest fees on the full amount.

Cardholders who spend $2,000 or more on their Dillard's Credit Card in a calendar year can qualify for Elite status, which unlocks additional benefits like free standard shipping for online orders and invitations to private shopping events. Elite customers also gain access to a dedicated customer service number, which, based on the reviews, may be the most valuable benefit of all.


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Dillard's Credit Card Review

Men’s Wearhouse Perfect Fit Credit Card

The Men’s Wearhouse Perfect Fit Credit Card is both a credit card and a rewards card for frequent shoppers, but customers don’t have to have the Perfect Fit Rewards credit card to be part of the program.With the Rewards Program, users get certificates that are valid for a period of six months after they’re issued. For every $500 in purchases a member makes, they get a $50 rewards credit. This can save a lot of money for customers who often shop in this store.

Levin's Furniture Credit Card

Visiting top-performing stores and home furnishing retailers means you need to have your pocket be filled with cash. But with Levin Furniture Credit Card, you have a most preferred and hassle-free option to deal with payment problems. Levin Furniture Credit Card is offering 0% APR and also comes more additional advantages to best meet your requirements.

Midas Credit Card

So, this Midas store card is another credit card from Synchrony Bank. But is this credit card really worth getting it? At a first sight, this credit card doesn’t seem to offer any tangible benefits. Yet, let’s discover the details of this credit card in our Midas credit card review. Midas Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Midas Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Kohl's Credit Card

The Kohl’s Credit Card, issued by Capital One, has “bargain shopper" written all over it. Fans of the department store can combine the card’s discount offers with rewards from Kohl’s other loyalty programs to maximize their savings throughout the year. And also, the Kohl’s Credit Card has relatively standard fees as store cards go, including a high APR.

BrandSource Credit Card

The BrandSource Credit Card is a Citi-provided credit card for financing purchases at BrandSource, a major retailer of appliances, electronics, and other home products with more than 4,500 locations nationwide. Cardholders also receive no-interest financing options and special offers and rebates.It requires a low credit rating and can be used at Brandsource stores.

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You can apply for the Dillard’s Credit Card at a Dillard’s store or by mail. Unfortunately, there's no way to apply for a Dillard's card online. To receive an application by mail,call 800-643-8276. Or find the nearest store.