Dillard’s Elite American Express® Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- American Express
- Regular purchase APR
- 30.24% variable based on the Prime Rate
At a glance
Dillard’s Elite American Express® Card is a significant jump in credit card perks compared to the Classic version of the card. Cardholders will still have 2X points on Dillard’s, gas station, and grocery store purchases. Now, however, they can earn double points with special events each month for 4X points per Dillard’s purchase plus additional store perks like free shipping on all online orders – still with no annual fee
Our review of the Dillard’s Elite American Express® Card
If you’re looking for a credit card that offers exclusive perks and benefits, the Dillard’s Elite American Express® Card is the way to go. As the top-tier option in the Dillard’s credit card lineup, the Elite version provides cardholders with a range of advantages that set it apart from the standard version.
In addition to the standard benefits of the Dillard’s credit card, the Elite version offers a higher earning rate, enhanced shopping perks, and dedicated customer service support. While there is technically no annual fee for the Elite card, cardholders are required to spend $2,000 at Dillard’s each calendar year to maintain their Elite status. This requirement may seem steep, but for frequent Dillard’s shoppers spending over $150 per visit, the added benefits can make it worth the investment.
With Elite status, cardholders can earn $10 Rewards Certificates and 10% Off Shopping Passes at a faster rate than non-Elite cardholders, requiring only 1,500 points to qualify. While Elite status doesn’t guarantee savings at checkout, it does provide a VIP shopping experience that can enhance your overall Dillard’s shopping experience.
Overall, the Dillard’s Elite American Express® Card is a great option for those who frequent Dillard’s and want to maximize their rewards and benefits. Consider upgrading to the Elite version for a more rewarding shopping experience.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Your choice of $10 Rewards Certificate of 10% Off Shopping Pass for every 1,500 points earned
- 2X points at Dillard's (in-store and online)
- 2X points at gas stations and grocery stores
- 1X points on all other purchases
- Free standard shipping on all purchases
- Up to 24 months of interest-free financing on select Dillard merchandise
- Free gift wrapping for in-store purchases
- Monthly bonuses for double the points (4X)
- Early access to sales and private shopping events
Who this card may suit
- You annually spend $2,000+ at Dillard’s
- You primarily shop online or don’t live near a brick-and-mortar Dillard’s store
- You spend less than $150 per online order
- You will pay your monthly balance in full each month
- You want unlimited rewards for department store purchases
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 30.24% variable based on the Prime Rate |
| Cash Advance APR | 32.24% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 4% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Dillard’s Elite American Express® Card
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