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Dillards Credit Card Alternatives

No matter what the brand, a Dillards credit card will net you big savings storewide. The Dillard's chain competes with household names such as Macy's and Nordstrom's, so you know you'll be shopping in style. With plenty of stores throughout the U.S., anywhere there's a Dillard's there is a use for a Dillards Card.

Alternative Credit Cards for Dillards Shopping and more

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. Please note, there is a fee for balance transfers
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (12 months (on balance transfers made within 45 days of account opening))N/A16.99%, 20.99% or 23.99% Variable$89 - waived first year
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.99% - 24.99% Variable$0 - $99
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/aSee Terms$0
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.99%, 20.99% or 25.99% variable$0
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You’ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A16.99% - 24.99% Variable$0 - $99
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/BadN/AN/ASee Terms*See Terms*
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
PoorN/AN/A16.99% - 24.99% Variable$0 - $99
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (15 months (on balance transfers made within 45 days of account opening))0% (15 months)13.99% Variable$0

Save More with Dillard's Rewards Cards

Dillard's currently has two card choices which are the Dillard Credit Card, usable only at Dillard's stores, and a Dillards American Express card that can be used anywhere. Both of the cards are financed by GE Capital Retail Bank, a subsidiary of powerhouse corporation General Electric. There's nothing like a line of credit when you're looking to re-stock your closet, and GE Capital Retail Bank offers just that.

Dillard's, of course, has its own reputation. Currently operating more than 300 stores in 29 states, they've come a long way since their first store opened in Nashville, Arkansas, in 1938. With over 1,000 luxury brands in stock, a credit card can certainly come in handy.

Both of the cards allow you to build points via the Dillards rewards system. This system allows cardmembers to gain points through purchases. For every 1,500 points earned, you'll receive a 10% all-day shopping pass or a $10 reward certificate. The pass is good on every item in the store except Dillards Gift Cards and there is no limit as to how much you can save with it. The more you shop, the more the price drops.

The Dillard credit card will earn you two points per dollar spent at Dillards or their website Dillards.com, but is not usable elsewhere. The Dillard American Express Card will also net you two points per dollar at Dillards, but can also be used at any other location and will gain points at the rate of one point per dollar. As a bonus, on groceries and gas the AmEx version will net you two points per dollar spent.

If that's not enticing enough, if you spend $100 when you sign up for the card you'll automatically receive your first 10% off pass. A great rewards system and a sign-on bonus certainly don't hurt, but even better is the chance to become an Elite Card Member when you spend $2,000 in a year. Elite members will receive big perks such as unlimited free shipping from Dillards.com, monthly elite-only bonus point offers, private shopping invitations, priority customer service, and unlimited free gift wrapping. If you spend $5,000 or more in a year, Dillard's will actually send you on a free getaway. Not too bad just for treating yourself to some new clothes or toys.

With the Dillards Credit Cards you'll be rewarding yourself for those tough shopping choices in no time. Regardless of which card you choose, nothing feels better at a department store than guaranteed savings.