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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

  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% Variable$0 - $99
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • 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
FairN/AN/A15.65% - 24.15% Variable$0 - $99
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fairn/an/a25.24%* Variable$0
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability - you′ll never be held liable for unauthorized charges made to your card
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.65% - 24.15% Variable$0 - $99
  • Bad Credit, good Credit, and no Credit. Get yours today!
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results are provided online!
  • Monthly reporting to the 3 major credit bureaus.
  • 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
Poor / BadN/AN/A*See terms*See terms

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.