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Dillard’s American Express®️ Credit Card

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This store-branded Amex card rewards you for spending at Dillard’s, the gas station, the grocery store, and everywhere else. You can take advantage of American Express benefits which include flight discounts, auto rental insurance, extended warranty protection, and more. Special financing options are also available for select furniture, men’s tailored clothing, and home furnishings.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: Prime Rate + 6.74%–21.74% Variable

Dillard’s American Express®️ Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 2X points per dollar spent at:
    • Dillard’s in-store, online, or by phone
    • U.S. Gas stations
    • U.S. Grocery stores
  • 1X point per dollar on all other purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $37
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR Prime Rate + 23.74% Variable
Cash Advance Fee 4%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • Purchase Protection
  • Extended Warranty Protection
Dillard’s American Express®️ Credit Card


  • 2X points per dollar spent at Dillard’s in-store, online, or by phone
  • 2X points spent at U.S. gas stations and grocery stores
  • American Express Connect
  • Instant decision – start shopping in seconds if you’re approved
  • Special financing on qualifying purchases of $200 or more
  • Extended warranty protection
  • Retail protection
  • Emergency assistance
  • Up to 25% off car rentals
  • No annual fee

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Along with a nice selection of Amex benefits, this rewards credit card from Dillard’s has quite a bit to offer.

You’ll get 2X points per dollar spent in store and online at Dillard’s, 2X points per dollar at U.S. gas stations and U.S. grocery stores, and 1X point per dollar on all other purchases.

When you earn 1,500 points, you’ll get the option of either redeeming for a $10 rewards certificate, or a 10% off shopping pass (which can only be used once per billing cycle).

You’ll get a scad of American Express benefits too which include hotel discounts, special fares, retail protection, and more. Special financing is also on the table when you’re looking to spend $200 or more on men’s tailored clothing, home furnishings, and furniture.

This card has no annual fee.

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