Dillard's Credit Card

Citibank Pending

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16

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: 021

Issuer: Citibank

Card Name: Dillard's Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:01

Last Scraped: Feb 07, 2026 16:44

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Dillard's Purchases 2x Points Purchases made at Dillard's stores or dillards.com No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 2x

Quarterly Rotating: No

Expiration Policy: Cash back rewards do not expire as long as your account is open.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Cash back can be redeemed for a statement credit, direct deposit or check once you have accumulated at least $25 in cash back.

Benefits & Protections (Detailed) 16 Total
PENDING
Lifestyle 1
Birthday Offer
Special offer

Eligible cardmembers who have made a purchase on their Dillard's Credit Card or Dillard's American Express Card within the last 12 months and whose account is open and in good standing will receive a special birthday offer.

Purchase Protection 3
Extended Warranty Protection
Up to 1 additional year

Extends the original manufacturer's warranty for up to one additional year on eligible purchases made with your Dillard's American Express Card.

Purchase Protection
Up to 90 days coverage

Covers eligible purchases made with your Dillard's American Express Card against accidental damage or theft for up to 90 days from the date of purchase.

Return Protection
Up to $300 per item, $1,000 annually

If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling, up to a maximum of $1,000 per calendar year per Card account. Applies to the Dillard's American Express Card.

Security 3
Fraud Protection
Zero liability

You will not be held responsible for unauthorized charges made on your Dillard's American Express Card.

Account Alerts
Customizable alerts

Receive email or text alerts for important account activity on your Dillard's American Express Card.

Dispute Resolution
Assistance with disputes

American Express will work with you to resolve billing disputes related to your Dillard's American Express Card.

Shopping 7
First Day Discount
10% off

Receive a 10% discount on your first day's purchases when you open a new Dillard's Credit Card or Dillard's American Express Card account.

Dillard's In-Store Rewards Earning
2 points per $1

Earn 2 Dillard's Rewards points for every $1 spent on purchases at Dillard's stores and dillards.com. Applies to both Dillard's Credit Card and Dillard's American Express Card.

Dillard's Rewards Certificate Redemption
$10 certificate for 10,000 points

Redeem 10,000 Dillard's Rewards points for a $10 Dillard's Rewards Certificate, which can be used for purchases at Dillard's.

Free Standard Shipping
Free shipping on $150+ purchases

Receive free standard shipping on Dillard's purchases of $150 or more made with your Dillard's Credit Card or Dillard's American Express Card.

Exclusive Savings Events
Access to exclusive events

Cardmembers receive invitations to exclusive savings events at Dillard's.

Special Financing Offers
Varies by offer

From time to time, special financing offers may be available on eligible purchases made with your Dillard's Credit Card or Dillard's American Express Card.

Dillard's American Express Everyday Rewards Earning
1 point per $1

Earn 1 Dillard's Rewards point for every $1 spent on eligible purchases made outside of Dillard's, wherever American Express is accepted. This benefit applies only to the Dillard's American Express Card.

Travel Insurance 2
Global Assist Hotline
24/7 emergency assistance

Provides 24/7 emergency assistance services when you travel more than 100 miles from home. Services include medical, legal, financial, and other select emergency coordination and referral services. (Cardmember is responsible for the cost of third-party services). Applies to the Dillard's American Express Card.

Car Rental Loss and Damage Insurance
Secondary coverage

Provides secondary coverage for damage to or theft of a rental vehicle when you use your eligible Dillard's American Express Card to reserve and pay for the entire rental and decline the optional collision damage waiver (CDW) offered by the rental company.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 31.99%

Cash Advance APR: 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ From time to time, we may offer special financing promotions on certain purchases. These offers may include a promotional period during which no interest will be assessed on the promotional purchase if you pay the promotional purchase in full by the end of the promotional period. If you do not, interest will be assessed on the promotional purchase from the date of purchase at the standard purchase APR.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax
Issuer Rules & Policies
PENDING

Rules: To be eligible for a welcome bonus on the '021' card, applicants must not have received a bonus for the '021' card or any card within its specific product family (e.g., ThankYou, AAdvantage, Custom Cash) within the last 24 months. This rule applies even if the previous card was closed. Citibank also enforces application velocity rules, typically allowing no more than one credit card application within an 8-day period and no more than two credit card applications within a 65-day period across all Citibank products. Applicants must meet standard creditworthiness criteria, including excellent credit history and sufficient income.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS) beyond reasonable limits, high cumulative credit limit across all Citibank products relative to income, frequent opening and closing of accounts (churning) without significant spend or engagement, abuse of return policies or credit card benefits, failure to pay balances on time, rapid succession of credit applications across multiple issuers.

Cliff Effect Rules: The primary cliff effect is the 24-month bonus eligibility rule. If a bonus was received on any card within the '021' product family, the applicant must wait 24 months from the date the previous bonus was received before being eligible for a new bonus on '021' or another card in that family. This creates a hard eligibility cutoff, where a bonus is either fully available or completely unavailable based on the 24-month timer.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Exclusive discounts and financing options at Dillard's; good for frequent shoppers.

Top Negative:
Limited use outside Dillard's; high APR; rewards not transferable.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Macy's Credit Card
  • Citi Double Cash Card
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0