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FAQ
 * DILLARD’S REWARDS
 * Card Services & Benefits
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 * Elite Status
 * Special Financing
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HAVE QUESTIONS?
WE CAN HELP.


PROGRAM OVERVIEW

What is the Dillard’s Rewards program?

Dillard’s Credit Cardmembers earn points on every purchase made at Dillard's
(in-store, online, catalog or phone).1 For every 1,500 points you earn, you’ll
receive your choice of a 10% off All-day Shopping Pass or a $10 Reward
Certificate. Rewards points are subject to expiration.2

How do I become a Dillard’s Credit Cardmember?

Subject to credit approval. To become a Dillard’s Cardmember, you can apply
in-store, online at www.dillards.com/apply or by mail. To have a Dillard’s Card
application mailed to you, please call us at 1-800-643-8276, and press “0” to
speak to a representative. Mon - Sat, 7 am - 12 am | Sun, 10 am - 8 pm, CST.

Where can I earn Rewards points?

You can earn points on purchases at Dillard’s stores, phone, catalog and
Dillards.com.1 In addition, Dillard’s American Express® Cardmembers earn two
rewards points per $1 in purchases at U.S. gas stations and U.S. grocery stores
and earn one reward point per $1 in purchases everywhere American Express Cards
are welcomed.3

What do I earn with my Rewards points?

Once you earn 1,500 points, you’ll receive your choice of a 10% Off Shopping
Pass4 or a $10 Rewards Certificate.5 To make your choice between a Shopping Pass
or a Rewards Certificate, call customer service at 1-800-643-8278. If you do not
make a choice, you’ll automatically be enrolled to receive the 10% Off Shopping
Pass.2

How do Shopping Passes work?

Shopping Passes are valid for a 10% discount on one calendar day’s purchases
made at Dillard’s or Dillards.com with your Dillard’s Credit Card or Dillard’s
American Express® Card. You must present your pass at the time of each purchase
or provide your Shopping Pass coupon code for online, catalog or phone
purchases.

How do I know when I’ve earned a Reward?

We’ll include your rewards with your monthly statement. If you have enrolled in
online account management, you can log on to dillards.myonlineresourcecenter.com
to manage your account.

Where can I spend my Dillard’s Rewards?

You can use your Shopping Passes and Rewards Certificates for merchandise you
buy at Dillard’s stores and Dillards.com.

Do Rewards points expire?

Yes. Rewards points earned which have not been used toward the issuance of a
Rewards Certificate or Shopping Pass will expire at the end of the 12th month
after such rewards points are earned. Rewards points are redeemed on a first-in,
first-out basis.

Do Dillard’s Shopping Passes and Reward Certificates expire?

Yes. Dillard’s Shopping Passes and Reward Certificates expire by the date shown
on the certificate.

 1. Rewards points are earned on net purchases (purchases minus returns/credits)
    only. Cash advances and cash equivalents, such as money orders and
    traveler’s checks as well as interest charges and fees, do not earn Rewards
    Points. See the Dillard’s Rewards Program Terms and Conditions for details.
    
    
    
    
    
    Rewards points earned which have not been used toward the issuance of a
    Rewards Certificate or Shopping Pass will expire at the end of the 12th
    month after such Rewards Points are earned.
    
    
 2. Rewards Certificates and Shopping Passes cannot be used for prior purchases,
    credited to an account, redeemed for cash, or used for purchasing gift cards
    and must be presented at time of purchase for every eligible transaction by
    the expiration date shown on the certificate or pass. Your Dillard’s Card
    must be used in conjunction with redeeming Shopping Passes or Rewards
    Certificates. Purchases subject to available credit limit. Additional
    restrictions and limitations may apply as stated on the Rewards Certificate
    or Shopping Pass. See the Dillard’s Rewards Program Terms and Conditions for
    details.
    
    
 3. Two rewards points are earned per dollar charged on net purchases at: (1)
    U.S. retailers whose merchant code for American Express is classified as gas
    station or automated fuel dispensers (gas purchases at warehouse/membership
    clubs, grocery stores, car washes, auto repair stores, and superstores that
    sell gasoline may not earn two rewards points); (2) at U.S. retailers whose
    merchant code for American Express is classified as U.S. supermarkets or
    grocery stores (purchases at superstores and warehouse clubs may not be
    coded as supermarkets). For all other purchases, one Rewards point is earned
    per dollar charged in net purchases. Wells Fargo does not have the ability
    to control how a merchant is classified and therefore reserves the right to
    determine which purchases qualify for two Rewards points. You may not earn
    bonus points for purchases made through third-party payment accounts, at
    online marketplaces, with retailers who submit purchases using a
    mobile/wireless card reader, or if you use a mobile or digital wallet. Cash
    advances and cash equivalents such as money orders and traveler’s checks, as
    well as interest charges and fees, do not earn Rewards points. See the
    Dillard’s Rewards Program Terms and Conditions for details.
    
    
 4. Subject to credit approval. To qualify for this offer, you must open a
    Dillard’s Card Account and charge $100 in net purchases (purchases minus
    returns/credits) with your Dillard’s Card at Dillard’s stores or
    dillards.com the same day you open your Account. 10% Off Welcome Shopping
    Pass will be sent to you in your first statement. See Shopping Pass for
    restrictions and exclusions.
    
    
 5. Rewards Certificates and Shopping Passes cannot be used for prior purchases,
    credited to an account, redeemed for cash, or used for purchasing gift cards
    and must be presented at time of purchase for every eligible transaction by
    the expiration date shown on the certificate or pass. Your Dillard's Credit
    Card or Dillard's American Express Card must be used in conjunction with
    redeeming Shopping Passes or Rewards Certificates. Purchases subject to
    available credit limit. Additional restrictions and limitations apply as
    stated on the Rewards Certificate or Shopping Pass. See the Dillard's
    Rewards Program Terms and Conditions for details.


DILLARD’S CREDIT CARD

What are the features and benefits of my Card?

You earn 2 rewards points per $1 in purchases charged to your Card at
Dillard’s.1 When you reach 1,500 points, you will earn your choice of rewards –
a 10% off Rewards Shopping Pass or a $10 Rewards Certificate. 2

I have not received my Card. What do I do?

If you have not received your Dillard’s Card, please call Customer Service at
1-800-643-8278, Monday through Saturday, from 7:00 am to midnight Central Time,
and Sunday, from 10:00 am to 8:00 pm Central Time.

 1. Rewards points are earned on net purchases (purchases minus returns/credits)
    only. Cash advances and cash equivalents, such as money orders and
    traveler’s checks as well as interest charges and fees, do not earn Rewards
    Points. See the Dillard’s Rewards Program Terms and Conditions for details.
    
    
    
    
    
    Rewards points earned which have not been used toward the issuance of a
    Rewards Certificate or Shopping Pass will expire at the end of the 12th
    month after such Rewards Points are earned.
    
    
 2. Rewards Certificates and Shopping Passes cannot be used for prior purchases,
    credited to an account, redeemed for cash, or used for purchasing gift cards
    and must be presented at time of purchase for every eligible transaction by
    the expiration date shown on the certificate or pass. Your Dillard’s Card
    must be used in conjunction with redeeming Shopping Passes or Rewards
    Certificates. Purchases subject to available credit limit. Additional
    restrictions and limitations may apply as stated on the Rewards Certificate
    or Shopping Pass. See the Dillard’s Rewards Program Terms and Conditions for
    details.


DILLARD’S AMERICAN EXPRESS® CARD

What are the features and benefits of my Dillard’s American Express® Card?

You earn 2 rewards points for every $1 in purchases charged to your Card at
Dillard’s.1 With your Dillard’s American Express Card, you also earn 2 rewards
points per every $1 spent at U.S. gas stations and U.S. supermarkets, as well as
1 rewards point per dollar everywhere else American Express is welcomed.2 When
you reach 1,500 points, you will earn your choice of rewards – a 10% off Rewards
Shopping Pass or a $10 Rewards Certificate.3

In addition, you also have access to more great benefits, including:4
 * Cell Phone Protection When you pay your monthly cell phone bill using your
   Dillard's American Express® Card5
 * Access to pre-sale tickets to events before the general public
 * Airfare, hotel, & cruise savings

For more information about all of the benefits of your Dillard’s American
Express Card, please visit amexconnect.com/dillards

What is an EMV chip, and how does it affect the use of my Dillard’s American
Express Card?

It’s an embedded microchip that adds another level of protection against fraud
and counterfeiting when your Card is used at chip-enabled terminals. You may
still swipe it at card readers just as you do today, or insert it into
chip-enabled terminals.

I have not received my Card. What do I do?

If you have not received your Dillard’s Card, please call Customer Service at
1-800-643-8278, Monday through Saturday, from 7:00 am to midnight Central Time,
and Sunday, from 10:00 am to 8:00 pm Central Time.

 1. Rewards points are earned on net purchases (purchases minus returns/credits)
    only. Cash advances and cash equivalents, such as money orders and
    traveler’s checks as well as interest charges and fees, do not earn Rewards
    Points. See the Dillard’s Rewards Program Terms and Conditions for details.
    
    
    
    
    
    Rewards points earned which have not been used toward the issuance of a
    Rewards Certificate or Shopping Pass will expire at the end of the 12th
    month after such Rewards Points are earned.
    
    
 2. Rewards Certificates and Shopping Passes cannot be used for prior purchases,
    credited to an account, redeemed for cash, or used for purchasing gift cards
    and must be presented at time of purchase for every eligible transaction by
    the expiration date shown on the certificate or pass. Your Dillard’s Card
    must be used in conjunction with redeeming Shopping Passes or Rewards
    Certificates. Purchases subject to available credit limit. Additional
    restrictions and limitations may apply as stated on the Rewards Certificate
    or Shopping Pass. See the Dillard’s Rewards Program Terms and Conditions for
    details.
    
    
 3. Two rewards points are earned per dollar charged on net purchases at: (1)
    U.S. retailers whose merchant code for American Express is classified as gas
    station or automated fuel dispensers (gas purchases at warehouse/membership
    clubs, grocery stores, car washes, auto repair stores, and superstores that
    sell gasoline may not earn two rewards points); (2) at U.S. retailers whose
    merchant code for American Express is classified as U.S. supermarkets or
    grocery stores (purchases at superstores and warehouse clubs may not be
    coded as supermarkets). For all other purchases, one Rewards point is earned
    per dollar charged in net purchases. Wells Fargo does not have the ability
    to control how a merchant is classified and therefore reserves the right to
    determine which purchases qualify for two Rewards points. You may not earn
    bonus points for purchases made through third-party payment accounts, at
    online marketplaces, with retailers who submit purchases using a
    mobile/wireless card reader, or if you use a mobile or digital wallet. Cash
    advances and cash equivalents such as money orders and traveler’s checks, as
    well as interest charges and fees, do not earn Rewards points. See the
    Dillard’s Rewards Program Terms and Conditions for details.
    
    
 4. Certain terms, conditions, and exclusions apply. Please see the Dillard’s
    American Express Cardmember Benefits or visit amexconnect.com/dillards under
    “Card Benefits” for further details and full terms and conditions.
    
    
 5. Cellular Telephone Protection can reimburse the eligible Dillard’s American
    Express® Card cardholder for damage to, theft of, or involuntary and
    accidental parting of a cell phone. This is supplemental coverage not
    otherwise covered by another insurance policy (for example, cell phone
    insurance programs, or your homeowner’s, renter’s, automobile, or employer’s
    insurance policies) and may be applied after all other insurance is
    exhausted. Reimbursement is limited to the cost to repair or replace your
    original cell phone, less a $25 deductible with an allowable maximum of two
    paid claims per 12-month period. Each approved claim has a benefit limit of
    $600. This benefit does not cover cell phones that are lost (i.e.,
    mysteriously disappear). This protection is only available when cell phone
    bills are paid with a Dillard’s American Express Card. The coverage does not
    apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells
    Fargo Business Credit Card, Wells Fargo Commercial Card or from a card that
    is linked to a Line of Credit. Eligible cell phones are the lines listed on
    your most recent cellular wireless service provider’s monthly billing
    statement for the billing cycle prior to when the incident occurred.
    Electronic failure or issues related to the software of the device are not
    covered. Cellular Telephone Protection coverage begins the first day of the
    calendar month following the payment of your first cell phone billing using
    your eligible Dillard’s American Express Card, and remains in effect when
    you continue to charge your total monthly cell phone bill to your Dillard’s
    American Express Card. This protection may not be equivalent to or better
    than other applicable coverage. For complete coverage benefits and
    exclusions regarding this protection, go to the Dillard’s American Express®
    Card Guide to Benefits, www.wellsfargo.com/dillardsbenefitsguide.
    Note:
    
    
    Call your cellular provider (or sign on to their website) and request to set
    up automatic payments. Setting up automatic payments is not required to
    qualify for Cellular Telephone Protection; however, you need to pay your
    monthly cell phone bill with your eligible Dillard’s American Express Card
    to get up to $600 protection.


ELITE STATUS

What additional benefits do I receive with my Dillard’s Elite Card?

In addition to receiving Shopping Passes or Reward Certificates for every 1,500
points you earn, with Elite status,1 you also have access to exclusive benefits,
such as: standard shipping on dillards.com purchases (up to
$16.95/transaction);2 gift wrapping benefits at Dillard’s (up to
$16.95/transaction);3 exclusive elite bonus points offers;4 invitations to
private shopping events; and a dedicated customer service phone line that
bypasses the general number.

What additional benefits do I receive with my Dillard’s American Express® Elite
Card?

In addition to all the benefits received with a Dillard’s Elite Card, Dillard’s
American Express Cardmembers have access to more great benefits, including:
purchasing pre-sale event tickets; airfare, hotel, & cruise savings;4 where you
may enroll and enjoy an upgrade to the Emerald Club® Executive® Status; and
complimentary amenities at nearly 1,000 luxury hotel properties5 around the
world as an American Express Cardmember6. For more information about all of your
American Express benefits, please visit amexconnect.com/dillards.

 1. To achieve and maintain Elite status, you must charge $2,000 or more in net
    purchases (purchases minus returns/credits) each calendar year and keep your
    account open and be no more than two payments past due. See the Dillard’s
    Rewards Program Terms and Conditions for details.
    
    
 2. Standard shipping on Dillards.com purchases is available on each
    transaction.
    
    
 3. Standard gift wrapping on in-store purchases is available on each
    transaction.
    
    
 4. Any such promotion(s) or offer(s) may have specific terms and conditions
    that will be disclosed at the time of the promotion or offer.
    
    
 5. Luxury Hotel Program is provided by ALTOUR. Subject to availability.
    
    
 6. Certain terms, conditions, and exclusions apply. Please see the Dillard’s
    American Express Cardmember Benefits or visit amexconnect.com/dillards under
    “Your Card Benefits” for further details and full terms and conditions.









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