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14 cards ranked

Best credit card to use at Dillard's.

Department Store

Dillard's is a mid-tier to upscale department store chain with about 270 locations primarily in the South, Midwest, and Sun Belt. The merchandise mix leans heavily into apparel, shoes, cosmetics, and home goods. Dillard's codes as a department store, so any department-store category bonus card will earn its multiplier. The Dillard's American Express card (issued by Wells Fargo) offers elevated rewards on Dillard's purchases plus general earn elsewhere, and Dillard's also issues a closed-loop store card with lower earn but more accessible approval.

  1. #1
    U.S. Bank
    5% on department stores if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  2. #2
    Robinhood
    3% flat-rate cashback
    3%
  3. #3
    American Express
    2% flat-rate cashback
    2%
  4. #4
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  5. #5
    First Electronic Bank
    2% flat-rate cashback
    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
  6. #6
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  7. #7
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  8. #8
    Chase
    2% flat-rate cashback
    2.5% on purchases of $5,000 or more per transaction
    2%
  9. #9
    WebBank
    2% flat-rate cashback
    2%
  10. #10
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  11. #11
    PNC
    2% flat-rate cashback
    2%
  12. #12
    U.S. Bank
    2% flat-rate cashback
    2%
  13. #13
    Wells Fargo
    2% flat-rate cashback
    2%
  14. #14
    Wells Fargo
    2% flat-rate cashback
    2%

Last updated July 28, 2026