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10 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
    US Bank Cash+ Visa Signatureif you select it
    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 Gold
    Robinhood
    3% flat-rate cashback
    3%
  3. #3
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  4. #4
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  5. #5
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  6. #6
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  7. #7
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  8. #8
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  9. #9
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  10. #10
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated May 17, 2026

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