Dillard’s Mastercard® from Citi: annual fee, APR and rewards

Fact sheet for the Dillard's Mastercard®, issued by Citi, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Network	Mastercard
Annual fee	$0
Rewards	Points: 2 points at Dillard's; 2 points at gas stations and supermarkets; 1 point on all other purchases; 1,500 points = 10% Off Shopping Pass or $10 Rewards Certificate.
Purchase APR	Dillard's Mastercard Purchase APR: variable 32.74%
Balance transfer fee	The greater of $10 or 5% of the amount of each transfer
Sign-up bonus	Earn a 10% off welcome shopping pass with your first statement when you make $100 in purchases with your Dillard's card at Dillard's on the day you're approved (max. $100 discount).
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good, Poor (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 32.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.