Dillard's

The Dillard's card is worth considering if you shop at Dillard's often enough to consistently use the rewards there. Earning 2% back at the store and 1% everywhere else is straightforward, and the lack of an annual fee means there is little downside to keeping it for loyal customers who already spend with the brand.

For most readers, though, this is a specialist card, not a primary wallet card. The rewards are tied to Dillard's, there is no welcome bonus, and there are no meaningful extra benefits to expand its appeal. If you want flexible cash back or stronger everyday rewards, a general cash-back card will usually be the better fit, while this one makes the most sense as a store-specific add-on.