Dillard's Retail Credit Cards and Customer Loyalty Rewards

Wells Fargo manages Dillard's cards and loyalty program

Dillard's
Barbara Farfan

Dillard's is an American department store chain headquartered in Little Rock, AK with a concentration of stores in Texas and Florida.  Dillard's offers three perks to its loyal customers and shoppers: a private-branded credit card, a co-branded (American Express) credit card and a customer loyalty program. The private-branded credit card is available to Dillard’s customers who can use it to pay for Dillard’s purchases online as well as in stores.

Cardholders can use Dillard’s co-branded credit card anywhere for any purchase from a vendor that accepts credit cards. The Dillard’s Rewards customer loyalty program is available to Dillard’s credit card users, and it provides rebates and special cardholder-only marketing offers.

Dillard’s Private Branded Retail Credit Card Features and Benefits:

The Dillard’s private branded retail credit card offers these features and benefits for its cardholders:

  • Customers get a 10 percent off one-day Welcome Shopping Pass if they spend $100 at Dillards.com or in Dillard’s stores on the same day they open the credit card account. The discount is for all merchandise in all departments
  • Cardholders-only events and savings
  • Special financing for Dillard’s purchases
  • Online account access, payment history, bill payment
  • Option to view and print 12 months of account activity and statements online
  • Ability to access sales receipts from purchases made with the Dillard’s credit card
  • Choice of electronic or paper monthly statements
  • A card Security program is available for a monthly fee

Dillard’s Co-Branded Credit Card Features and Benefits:

Benefits and features of the Dillard’s co-branded credit card include:

  • Extended warranty protection on most items purchased with the credit card
  • Retail Protection coverage for items that are damaged or stolen within 90 days when purchased with the Dillard’s co-branded credit card
  • Emergency travel assistance
  • Access to cash withdrawals at over 600,000 ATMs worldwide
  • Cardholders-only events and savings
  • Special financing for Dillard’s purchases
  • Free standard shipping on Dillards.com
  • Free gift wrap services at Dillard’s, up to $16.95
  • Monthly bonus Dillard’s Rewards points offers
  • Access to private invitation-only shopping events
  • Special priority customer service line
  • Balance transfers, cash advances, and foreign credit transactions available

Dillard’s Rewards Customer Loyalty Program Features and Benefits:

Available only to Dillard’s credit card holders, the Dillard’s Rewards customer loyalty program offers these features and benefits to its members:

  • Earn two Rewards points for every $1 spent on Dillard’s purchases with the Dillard’s private branded retail store credit card in Dillard’s stores, online at Dillards.com, or by phone.
  • Earn two Rewards points for every $1 spent at grocery stores and gas stations with the Dillard’s co-branded credit card.
  • Earn one Rewards point for every $1 spent anywhere else American Express is welcomed 
  • Choice of a one-day 10 percent off shopping pass or a $10 Reward Certificate for Dillard’s merchandise purchases for every 1,500 Dillard’s Rewards points earned

    Dillard's Joins Forces With Wells Fargo 

    Dillard's and Wells Fargo entered into an agreement in April 2014 (effective the fourth quarter of 2014) giving Wells Fargo the right to issue and fund both the private branded and co-branded credit cards. Wells Fargo manages the loyalty program as well. The agreement governs these cards and the program through 2024. 

    It's not anticipated that benefits will change much through 2024, if at all, but there's always the possibility that Wells Fargo will alter some of the terms for qualifying, approvals, and rewards. To be safe, check Dillard's website before you make any major purchases to make sure perks still apply.