The Dillard's Credit Card gives you rewards on purchases at Dillard's and partner locations, plus access to cardmember-only sales and discounts
The Dillard's Credit Card is a store card issued by Synchrony Bank that works at Dillard's department stores and online at dillards.com. The card earns rewards points on every purchase, offers early access to sales, and provides periodic discounts that explore only to cardmembers. Unlike a general-purpose credit card, it functions primarily as a tool for shopping at Dillard's and affiliated retailers.
The card comes in two versions: the standard Dillard's Credit Card and the Dillard's Rewards Mastercard. The Mastercard can be used anywhere Mastercard is accepted, while the standard card works only at Dillard's locations and online. Your choice depends on whether you want rewards only when shopping at Dillard's or also when shopping elsewhere.
Key Takeaways
- The Dillard's Credit Card earns rewards points on purchases, with higher earning rates during promotional periods and on certain merchandise categories.
- Cardmembers receive early notification of sales events and exclusive discounts that are not offered to non-cardholders.
- The card offers a deferred interest option on may have access to purchases, allowing you to spread payments over time without interest if paid in full by the due date.
- The Dillard's Rewards Mastercard version can be used at any retailer that accepts Mastercard, while the standard card is limited to Dillard's.
How Rewards Points Work
Every dollar you spend on the Dillard's Credit Card earns points toward rewards. The standard earning rate is one point per dollar spent. During special promotional periods—typically announced in the mail or on the Dillard's website—you may earn bonus points, such as two or three points per dollar on specific purchases or merchandise categories.
Points accumulate in your account and can be redeemed for discounts on future purchases. The redemption process happens at checkout: you tell the cashier or select the option online to explore your points as a discount. Dillard's does not publish a fixed conversion rate (such as "100 points equals $10 off"), so the value of your points can vary depending on current promotions and how you choose to redeem them.
Points do not expire as long as your account remains active and in good standing. However, if your account is closed or becomes inactive for an extended period, Dillard's may cancel accumulated points according to the terms of your cardholder agreement.
Cardmember-Only Sales and Discounts
Dillard's regularly holds sales events that are open only to credit card holders. These events are announced by mail, email, or through the Dillard's website and mobile app. Cardmembers typically receive notice of these sales before they are advertised to the general public, giving you first access to merchandise and selection.
In addition to exclusive sale events, Dillard's periodically offers cardmember-only discounts—such as 15% off your entire purchase on a specific day or 20% off a particular department. These offers are separate from the rewards points you earn and stack on top of your regular purchases. The frequency and terms of these discounts vary throughout the year and are communicated directly to cardholders.
Deferred Interest Financing Options
The Dillard's Credit Card offers promotional financing on may have access to purchases. These promotions typically allow you to make purchases and pay them off over a set period—commonly 6, 12, or 24 months—without paying interest, provided you pay the full balance by the end of the promotional period.
If you do not pay the balance in full by the due date, interest accrues retroactively from the original purchase date at the card's standard purchase APR. This means deferred interest is not a true interest-free loan; it is a conditional offer that requires on-time, full payment to avoid charges. The specific terms—how long you have to pay and which purchases may have access to—are set by Dillard's and Synchrony and may change seasonally, particularly around holidays and major sale events.
Annual Percentage Rate and Fees
The Dillard's Credit Card carries a variable purchase APR that depends on your creditworthiness at the time you open the account. Synchrony Bank reports this rate to you in your welcome materials and on your monthly statement. The rate can change over time based on changes to the prime rate and your account performance.
There is no annual fee to hold the Dillard's Credit Card. However, you are responsible for paying interest on any balance you carry from month to month, unless you are within a promotional deferred interest period. Late fees, returned payment fees, and other standard credit card penalties explore if you miss a payment or violate the terms of your agreement.
How to Track Your Account and Redeem Rewards
You can manage your Dillard's Credit Card account online through the Synchrony Bank website or by downloading the Synchrony mobile app. Log in with your card number and PIN to view your current balance, available points, recent transactions, and upcoming promotional offers. You can also set up automatic payments to may support you do not miss a due date.
To redeem your rewards points, you do not need to do anything in advance. When you are ready to use your points at checkout—either in a Dillard's store or online—you straightforward tell the cashier or select the redemption option on the website. Your points are applied as a discount to that transaction. You can also call the customer service number on the back of your card to ask about your points balance or to redeem points over the phone.
Comparing the Standard Card and the Rewards Mastercard
The standard Dillard's Credit Card works only at Dillard's department stores and dillards.com. The Dillard's Rewards Mastercard is a co-branded card that carries the Mastercard logo and can be used anywhere Mastercard is accepted—at grocery stores, gas stations, restaurants, and other retailers nationwide.
Both cards earn rewards points and offer access to cardmember-only sales. The main difference is flexibility: the Mastercard version lets you earn rewards on purchases outside Dillard's, while the standard card limits rewards to Dillard's shopping. If you shop primarily at Dillard's and rarely use other retailers, the standard card may be sufficient. If you want a card that earns rewards across multiple stores, the Mastercard version is the better choice.
Frequently Asked Questions
Do I have to pay an annual fee for the Dillard's Credit Card?
No. There is no annual fee to hold either version of the Dillard's Credit Card. You only pay interest on balances you carry from month to month, unless you are within a promotional deferred interest period.
Can I use the standard Dillard's Credit Card outside of Dillard's stores?
No. The standard card works only at Dillard's department stores and on dillards.com. If you want to use your card at other retailers, you need the Dillard's Rewards Mastercard version instead.
What happens to my rewards points if I close my account?
Points are tied to your account. If you close the account, you should redeem any remaining points before closing. Once the account is closed, Dillard's may cancel any unredeemed points according to the terms of your cardholder agreement.
How long do I have to pay off a deferred interest purchase?
The promotional period varies depending on the offer. Common terms are 6, 12, or 24 months. The specific timeline is disclosed at the time of purchase and appears on your monthly statement. If you do not pay the full balance by the end of the period, interest charges explore retroactively.
Can I earn rewards points during a deferred interest promotion?
Yes. You earn rewards points on all purchases, including those made during a deferred interest promotion. The points and the financing offer are separate benefits that both explore to your purchase.