Citi
Dillard’s Credit Card
Estimated value every year on typical spending
$158/ year
Every year, after the annual fee. Year one adds a $100 welcome bonus: $258
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi Dillard’s Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $158 a year on typical spending. The welcome bonus adds roughly $100 in the first year.
Its rewards are Dillard's rewards, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- Not specified
- Rewards paid as
- Dillard's rewards · counted at half value
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 2 points per $1 on eligible Dillard’s purchases and can choose between a 10% off One-Day Shopping Pass or a $10 off Reward Certificate for every 1,500 points earned
Sign-up bonus
10% off Welcome Shopping Pass with your first statement when you make $100 in purchases with your Dillard’s Credit Card at Dillard’s on the day you’re approved (max. $100 discount).
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are Dillard's rewards, so we count them at half value)
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $500/mo on groceries earns about $48/year (0.8x).
- $1200/mo on everyday spending earns about $58/year (0.4x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Dillard’s Credit Card: questions people ask
Is the Citi Dillard’s Credit Card worth it?
With no annual fee, the Citi Dillard’s Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $158 a year on typical spending. The welcome bonus adds roughly $100 in the first year.
What is the Citi Dillard’s Credit Card annual fee?
The Citi Dillard’s Credit Card has no annual fee ($0).
What is the Citi Dillard’s Credit Card welcome bonus?
10% off Welcome Shopping Pass with your first statement when you make $100 in purchases with your Dillard’s Credit Card at Dillard’s on the day you’re approved (max. $100 discount). We value it at about $100. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Citi Dillard’s Credit Card earn?
2 points per $1 on eligible Dillard’s purchases and can choose between a 10% off One-Day Shopping Pass or a $10 off Reward Certificate for every 1,500 points earned.
What credit score do you need for the Citi Dillard’s Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi Dillard’s Credit Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.