I have excellent credit and I often shop at dillards.com, is their credit card a good one to have? I wanted to know in terms of rewards and what I get in return for using their card, I don't plan on carrying a balance-should I apply for their credit card?

Answered on June 01, 2016
Updated on June 01, 2016
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
Well, it is a good thing you don't plan on carrying a balance because as we know store credit cards are notorious for high interest rates. As far as rewards go, cardholders get two points per dollar spent at the store. This sounds good but when we do the math it's a different story. If you need 1,500 points to get a $10 gift certificate at two points per dollar; that equates to spending $750 to get the $10 gift certificate. This breaks down to a 1.3% reward rate. If you have excellent credit, there are so many cards to choose from that are so much more rewarding. If you are getting a card solely on the basis of rewards you should be looking at a reward rate of at least 1.5%.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

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There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.