Dillard's American Express® from Wells Fargo Review
Dillard's American Express® from Wells Fargo — all information about the credit card.
Updated November 06, 2023
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Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 2x Points at Dillard's (in-store and online).
- 2x Points at gas stations and grocery stores in the U.S.
- 1x Points on all other purchases.
- Intro Offer:
- 10% Earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.
- Annual Fee:$0
- Purchase Intro APR:None
- Regular APR:30.24% Variable
- Balance Transfer APR:None
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Wells Fargo Dillard's American Express® Rewards Calculator
Your Results
Total yearly earnings
First year rewards
$8410
Rest years rewards
$8400
Annual fee
$0
Yes, Wells Fargo Dillard's American Express® credit card is worth its annual fee!
How to maximize your Wells Fargo Dillard's American Express® rewards?
Follow these simple steps to make the most of Wells Fargo Dillard's American Express® credit card:
- Spend more on Dillard's purchases
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Wells Fargo Dillard's American Express®.
Your net profit in the first year
$8,410
x3115
Your net profit in subsequent years
$8,400
x3111
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You will receive 8,410 points in the first year (equivalent to $8,410)
Where you get the most profit
- Dillard's purchases
- Gas
- Groceries
- All other purchases
- Into bonus
Dillard's purchases
$2,400
Gas
$2,400
Groceries
$2,400
All other purchases
$1,200
Into bonus
$10
Total
$8,410
Annual fee
$0
Net yearly credit card profit
$8,410
You will receive 8,400 points in the rest years (equivalent to $8,400)
Where you get the most profit
- Dillard's purchases
- Gas
- Groceries
- All other purchases
Dillard's purchases
$2,400
Gas
$2,400
Groceries
$2,400
All other purchases
$1,200
Total
$8,400
Annual fee
$0
Net yearly credit card profit
$8,400
All benefits
- Points
- 2x At Dillard's (in-store and online).
- 2x At gas stations and grocery stores in the U.S.
- 1x On all other purchases.
- Travel
- Global Hotel Collection:
- Enjoy complimentary benefits and value-added amenities at more than 3,000 of the world’s most luxurious hotels.
- Air:
- Enjoy a superior airline booking experience by talking to one of the experts or by using our platform's advanced booking tool, which provides instant access to real inventory.
- 25% Take advantage of up to 25% off base rates with major car rental companies worldwide at participating locations.
- Cruises:
- Enjoy exceptional benefits when you book a voyage.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 30.24% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- 32.24% Variable
- How to Avoid Paying Interest
- Your due date is at least 23 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances on the transaction date.
Fees
- Annual Fee
- $0
- Fees for Cash Advances
- Either $10.00 or 4% of the amount of each cash advance, whichever is greater
- Late Payment
- Up to $40.00
Pros & Cons
Pros:
- No Annual Fee
Cons:
- Balance transfers are not available
- Foreign Transaction Fee
Features
- No Annual Fee
- Rewards
- Bonus points
- Travel
- Airline
- Good Credit
- Excellent Credit
About the issuer
Wells Fargo has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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Wells Fargo Dillard's American Express® is an option for those, who need Classic features. With an APR of 30.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Wells Fargo Dillard's American Express® you will get such features as No Annual Fee, Rewards, Bonus points, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
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