Dillard's Credit Card

Dillard's Credit Card Review

This is a store card issued by Wells Fargo Bank. If you're wondering whether Dillards credit card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.99%
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Dillards credit card

The Good	The Bad
0% APR balance transfer intro rate on balance transfers . No balance transfer fee. No annual fee. Dillard's Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Dillards credit card FAQ

Does Dillards credit card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

• Retail

What are the Dillards credit card benefits?

It provides the following benefits:

• Zero fraud liability
• Cell Phone Protection
• Reports to major credit bureaus

What are the relevant APRs for Dillards credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Dillard's Credit Card has a variable purchase APR of 24.99%.

What are the fees for Dillards credit card?

The following fees apply:

Dillard's Credit Card Fees

Description
No Annual Fee?
Annual Fee	$0
No Interest Grace Period for Late Payment	23 days
Late Fee Amount	Up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Dillard's Credit Card report your account activity to credit bureaus?

Yes, Dillard's Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Dillards credit card

• Visit the Dillards credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.