So you’re thinking of applying for the Dillard’s credit card, huh? As a loyal Dillard’s shopper, you know they frequently run sales and promotions that can save you some serious cash.
But is their store credit card really worth it? Before you fill out that application, here are some things you should know about the Dillard’s credit card to make sure it’s right for you.
We’ll dish on the benefits like rewards and discounts as well as potential drawbacks to watch out for. By the time you’re done reading, you’ll know if this card deserves a spot in your wallet or if it’s better left on the shelf.
Dillard’s Credit Card Rewards and Perks
The Dillard’s credit card comes with some sweet perks for frequent shoppers.
First, you’ll earn 3 points for every $1 spent at Dillard’s, which you can redeem for merchandise, dining, and travel. Once you earn 2,500 points, you’ll get a $25 reward certificate. You can stack up multiple certificates to use on bigger purchases.
You’ll also get special financing offers, like 6-24 months no interest on select purchases over $199. Make sure you pay at least the minimum by the due date to avoid interest charges. These offers change frequently, so check your latest statement for the latest deals.
As a cardholder, you’ll receive exclusive cardholder-only coupons for extra savings on the latest styles. You’ll get early access to sales and clearance events so you can get your favorites before they sell out.
The card does come with a few downsides to keep in mind. There is a relatively high APR of 24.65%-29.65% variable, so if you carry a balance from month to month, interest charges can add up quickly. Also, points and rewards can only be redeemed at Dillard’s, limiting your options.
However, if you’re a frequent Dillard’s shopper, the rewards and benefits can easily offset these potential drawbacks. The Dillard’s credit card is best suited for loyal customers looking to save on the styles they love.
How to Apply for a Dillard’s Credit Card
So you’ve decided to apply for a Dillard’s credit card. Great choice! Their cards offer some nice perks like special savings and rewards. Here’s how to get started:
- Head to Dillard’s website and find the credit card section. Click ‘Apply Now’ to start your application.
- You’ll need some personal information like your name, address, Social Security number, and annual income. They’ll also ask about your housing situation and employment details.
- Next, review and accept the terms and conditions. This part is important so read everything carefully. Once you accept, your application will be processed.
- In most cases, you’ll get an instant decision on your application. If approved, you can start using your card right away to shop online or in stores. Your physical card will arrive in 7-10 business days.
- If you’re not instantly approved, don’t worry. Dillard’s will review your application and get back to you within a week or two. You may be asked to provide more details to support your application.
- Once approved, be sure to register your new card on Dillard’s website or app. This allows you to check your balance, pay your bill, see your rewards, and more – all in one place!
With a Dillard’s credit card in hand, you’ll enjoy special savings, bonus points, and exclusive perks. Happy shopping! Let the rewards roll in.
Is the Dillard’s Credit Card Right for You?
The Dillard’s credit card may be right for you if you frequently shop at Dillard’s and want to earn rewards on your purchases. However, the high APR means you’ll want to pay the balance in full each month to avoid interest charges.
Earn Rewards
As a Dillard’s cardholder, you’ll earn rewards on all your Dillard’s purchases. You earn 2 points per $1 spent on Dillard’s merchandise and 1 point per $1 on other purchases like dining, gas, and travel. Once you accumulate 500 points, you’ll receive a $25 reward certificate good for anything Dillard’s sells from clothing to cosmetics.
Additional Perks
The Dillard’s credit card provides a few other benefits for frequent shoppers. You’ll get access to private sales events before the general public. You’ll also receive exclusive offers for bonus points and discounts on your birthday or Dillard’s anniversary. If you spend over $500 in a year, you’ll become a Preferred Customer and receive a special welcome gift.
High Interest Rate
The major downside of the Dillard’s credit card is its high purchase APR, currently around 26.99%. If you carry a balance from month to month, the interest charges will quickly outweigh the rewards and benefits. It’s best to use the card only if you pay the full balance on time each billing cycle.
In summary, Dillard’s credit card can be rewarding for loyal customers who pay on time and in full. However, the high-interest rate means you’ll want to avoid leaving a balance whenever possible. Make sure to weigh the pros and cons to determine if this store card fits your spending habits and needs.
Conclusion
So, there you have it – the full scoop on Dillard’s credit card. If you’re a frequent Dillard’s shopper, the card can be worthwhile for discounts and rewards. But if you’re not a loyal customer, the high APR and limited benefits probably don’t make it the best choice for your wallet.
At the end of the day, you need to go with what makes sense for your spending and needs. Compare your options, read the fine print, and make the choice that lets you shop happily ever after. The end.