Dillard's Credit Card
Basic Information
Program ID: 021
Issuer: Citibank
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:01
Last Scraped: 01/15/2026 05:14
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $150.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Hotels & Car Rentals (via Citi Travel Portal); 3x on Air Travel, Dining, Supermarkets, Gas Stations; 1x on all other purchases
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Aeromexico Club Premier, Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the '021' card bonus requires applicants to have good to excellent credit (typically 700+ FICO score), be a US resident, and 18 years or older. A key bonus rule is the 24-month restriction: applicants are ineligible for a new bonus on the '021' card if they have received a bonus on any card within the same '021' family (e.g., different versions or tiers of the same core product line) within the past 24 months. Citibank also generally limits new card approvals to 1 card every 8 days and 2 cards every 65 days across all Citibank products.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit relative to income, rapid application for multiple cards (especially across issuers), suspicious spending patterns (e.g., large gift card purchases, excessive returns, unusual transaction velocity), failure to pay on time, abuse of promotional offers or sign-up bonuses (e.g., opening and closing accounts too quickly).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Users appreciate exclusive discounts, special financing offers, and rewards points earned on Dillard's purchases.
Top Negative Feedback:
Common complaints include high interest rates, limited utility outside Dillard's, and occasional issues with customer service or credit limit management.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Macy's Credit Card
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 80% Store / 20% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0