Dillard's Elite American Express Card
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Dillard's Elite American Express Card from Wells Fargo earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points.
What does the Dillard's Elite American Express Card earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Dillard's Elite American Express Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Dillard's Elite American Express Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Dillard's at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Dillard's Elite American Express Card?
The Dillard's Elite American Express Card fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points.
Dillard's Elite American Express Card fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Dillard's value depends on how you redeem, not straight cash back.
Does the Dillard's Elite American Express Card have an annual fee?
The Dillard's Elite American Express Card has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Dillard's Elite American Express Card?
The Dillard's Elite American Express Card includes 10% off, Cell Phone Protection, Complimentary gift wrapping in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cell Phone Protection
$7,200/yrCellular Telephone Protection when you pay your monthly cell phone bill using your Dillard's American Express Card.
10% off
For every 1,500 points, you'll earn an All-Day 10% Off Rewards Shopping Pass.
Complimentary gift wrapping
for in-store purchases
Complimentary standard shipping
on dillards.com purchases
Related encyclopedia topics
Common questions about the Dillard's Elite American Express Card
Is a Dillards credit card worth it?
The Dillard's Elite American Express Card from Wells Fargo earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
Does the Dillard's Elite American Express Card have an annual fee?
The Dillard's Elite American Express Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Dillard's Elite American Express Card?
Dining is the strongest Madeen category for the Dillard's Elite American Express Card at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Dillard's Elite American Express Card charge foreign transaction fees?
The Dillard's Elite American Express Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Dillard's Elite American Express Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Dillard's Elite American Express Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Dillard's Elite American Express Card?
Rewards on the Dillard's Elite American Express Card post as Dillard's. Redemption value depends on how you use Dillard's (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Dillard's Elite American Express Card compare to similar cards?
Compare the Dillard's Elite American Express Card against One Key (3% on Dining, $0 fee); One Key+ (3% on Dining, $99 fee); Wells Fargo Autograph℠ (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Dillard's Elite American Express Card This card | Dining | 1% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure