10 Best Credit Cards for Dillard's of October 2026
Top picks for Dillard's from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Dillard's. Order can differ from that column because ranking adds the adjustments above.
Dillard’s Mastercard® earns the top spot for Dillard's purchases at 2.0¢ per dollar at dillard's — no annual fee. We ranked every card in our database against Dillard's purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Dillard’s Mastercard®
Citi
- +Official cobrand card — earns rewards on all purchases
- +2x on Gas Stations
- +No annual fee
Chase Sapphire Preferred Card
Chase
- +3x on Gas Stations — points worth 1.8¢ each
- +Est. $50/yr value — $100 Annual Hotel Credit
- +Auto Rental Coverage
Citi Strata Credit Card
Citi
- +3x on Gas Stations — points worth 1.6¢ each
- +Citi Travel®
- +20,000 points bonus (~$320 value)
Why Dillard’s Mastercard® wins for Dillard's
Dillard’s Mastercard® earns 2.0¢ per dollar at Dillard's, the highest marginal rate in our list for this brand. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum earn rate on this category and don't mind a focused rewards structure.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Gas Stations Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Dillard’s Mastercard®Citi | 2x points | 2.0¢/$ | $0 | — | mastercard |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | — | visa |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 4.8¢/$ | $0 | — | mastercard |
| PenFed Platinum Rewards Visa Signature® CardPenFed | 5x points | 5.0¢/$ | $0 | — | visa |
| H-D™ H.O.G.™ Elite Visa Signature®U.S. Bank | 5x points | 5.0¢/$ | $99 | $49.50 | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $100 | mastercard |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 4.0¢/$ | $95 | — | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 3.8¢/$ | $0 | — | visa |
More Options
How to maximize value at Dillard's
- Use Dillard’s Mastercard® for Dillard's purchases — it earns 2.0¢ per dollar at Dillard's in our scoring.
- Shopping portals sometimes offer extra rewards at Dillard's; check current portal rates before you buy.
- Pair Dillard’s Mastercard® with Chase Sapphire Preferred Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Shopping where the top picks above also earn well.
Frequently asked
- What credit card earns the most at Dillard's?
- Dillard’s Mastercard® ranks #1 for Dillard's in our list at 2.0¢ per dollar at Dillard's — no annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at Dillard's?
- Shopping portals sometimes offer extra rewards at Dillard's; check current portal rates before you buy.
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