Wells Fargo Bank, National Association Dillard's American Express

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

wellsfargo.com

Phone

(800) 642-4720

Purchase interest rate and fees

30.24%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	30.24%	3 dollar sign symbols Pay more interest
720+	30.24%	3 dollar sign symbols Pay more interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 3% of each purchase
Minimum finance charge: A minimum interest payment of $1 is required to avoid additional fees
Grace period: 23 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: The fee will be the lesser of the Total Minimum Payment Due or $29.00. For any subsequent event within a rolling six billing cycle period, the fee will be the lesser of the Total Minimum Payment Due or $40.00.
Over-limit fee: None

Rewards and perks

Other

Other rewards: Dillard's Shopping Pass, Dillard's Welcome Shopping Pass

Services

Extension on manufacturer’s warranty
Cellular Telephone Protection, Purchase Security, Extended Warranty, Travel and Emergency Assistance Services

Card features

Chip card
Promotional Financing Options

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

32.24%*

+

Variable

Cash advance fee details: Either $10 or 4% of the amount of each advance, whichever is greater.

*As of Jun. 30, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.