The Dillard’s Credit Card is a popular financial tool for frequent shoppers of the well-known department store. Issued by Citibank, these cards offer a way to earn rewards on every purchase and access exclusive shopping benefits. Understanding the differences between the card options and how to manage your account is the best way to maximize the value of the program.
Whether you are considering applying for a new card or you are a long-time cardholder looking for payment information, this guide provides straightforward answers. We will cover the types of cards available, the rewards structure, and the various ways you can stay on top of your monthly statements.
Types of Dillard’s Credit Cards
There are two primary versions of the Dillard’s credit card. When you apply, Citibank evaluates your creditworthiness to determine which card you qualify for. Both cards allow you to earn points toward Dillard’s shopping passes, but they differ in where they can be used.
The Dillard’s Store Card is a private-label credit card. This means it can only be used for purchases made at Dillard’s locations, through the Dillard’s catalog, or on the official website. It is a focused tool for those who primarily want to earn rewards on their department store shopping.
The Dillard’s American Express Card is a co-branded card with much broader utility. In addition to being used at Dillard’s, it is accepted anywhere American Express is taken worldwide. This card allows users to earn rewards on everyday spending like groceries and gas, which can then be redeemed for Dillard’s rewards.
Understanding the Rewards Program
The core appeal of the Dillard’s credit card program is the ability to earn points that turn into shopping discounts. The rewards system is designed to benefit loyal customers who shop at the store frequently throughout the year.
- Dillard’s Purchases: You earn 2 points for every $1 spent at Dillard’s (in-store, online, or via catalog).
- Everyday Spending (Amex Only): If you have the American Express version, you earn 2 points per $1 spent at U.S. gas stations and U.S. supermarkets.
- Other Purchases (Amex Only): You earn 1 point per $1 spent everywhere else American Express is accepted.
Once you reach 1,500 points, you become eligible for a reward. You can typically choose between a $10 Rewards Shopping Pass or a 10% Off Shopping Pass. These rewards are included in your monthly billing statement once they are earned.
Dillard’s Elite Status
For those who spend significantly at the store, there is an “Elite” tier of membership. To reach Elite status, you must spend $2,000 or more on your Dillard’s credit card within a calendar year. Once you reach this threshold, you unlock additional perks.
Elite members enjoy benefits such as free standard shipping on all online orders and complimentary gift wrapping in-store. They also receive invitations to private shopping events and special bonus point offers throughout the year. Status is renewed annually based on your spending in the previous year.
How to Apply for a Dillard’s Credit Card
Applying for a Dillard’s credit card is a straightforward process that can be done in person or online. To qualify, you generally need a fair to good credit score. You must also be at least 18 years old and have a valid Social Security number and a U.S. mailing address.
To apply in-store, simply visit any Dillard’s location and speak with a sales associate at a register. They will guide you through the digital application process. You will often receive an instant decision, allowing you to use your new account immediately if approved.
To apply online, visit the Dillard’s website and navigate to the credit card section. You will be asked to provide personal information, including your full name, annual income, and contact details. Online applications are usually processed quickly, and your physical card will arrive in the mail within 7 to 10 business days.
Managing Your Account Online
Once you receive your card, the most efficient way to manage it is through the Dillard’s Cardholder Account Services portal. This online dashboard allows you to monitor your spending and ensure your account remains in good standing.
After registering your account online, you can perform the following tasks:
- View your current balance and available credit.
- Check your rewards points balance.
- Review past billing statements and transaction history.
- Set up paperless billing to receive statements via email.
- Update your personal contact information.
To register, you will need your card number, the name as it appears on the card, the security code on the back, and the last four digits of the primary cardholder’s Social Security number. It is recommended to choose a strong password and enable any available security alerts.
How to Make a Payment
Dillard’s provides several convenient ways to pay your credit card bill. It is important to make at least the minimum payment by the due date each month to avoid late fees and potential damage to your credit score.
Online Payments
Paying online is the fastest method. Log in to your account on the Dillard’s website and navigate to the “Payments” section. You can make a one-time payment using your checking account or set up “AutoPay” to ensure your bill is paid automatically every month.
Payment by Phone
If you prefer to pay over the phone, you can call Dillard’s Customer Service. The automated system is available 24/7. Have your credit card number and your bank routing and account numbers ready before you call.
The customer service number for Dillard’s credit card services is 1-800-643-8278. If you have the American Express version, the number is 1-866-236-1102.
Payment by Mail
You can mail a check or money order using the payment coupon included with your monthly paper statement. If you do not have the coupon, you can mail your payment to the address provided on the Dillard’s website. Be sure to write your full account number on the check to ensure it is credited correctly. Allow at least 5 to 7 days for the payment to arrive and be processed.
In-Store Payments
One of the most convenient features for frequent shoppers is the ability to pay your bill in person. Simply visit the customer service desk or any cash register at a Dillard’s store. You can pay using cash, a check, or a debit card. Your payment will be applied to your account immediately.
Interest Rates and Fees
Like most retail credit cards, the Dillard’s credit card often carries a higher-than-average Annual Percentage Rate (APR). This means that carrying a balance from month to month can become expensive. To get the most value out of the rewards program, it is best to pay your balance in full every month.
Late payments can result in a fee, which may increase if you have multiple late payments within a certain period. Additionally, there is no annual fee for the Dillard’s Store Card or the Dillard’s American Express Card, making them a low-cost option if you pay your balance in full and on time.
Pros and Cons of the Dillard’s Credit Card
Before opening a new account, it is helpful to weigh the advantages and disadvantages to see if the card fits your financial habits.
Pros:
- Generous rewards for frequent Dillard’s shoppers.
- No annual fee.
- Convenient in-store payment options.
- Valuable introductory offers, such as 10% off your first day’s purchases.
Cons:
- High APR if you carry a monthly balance.
- The Store Card version has limited use outside of Dillard’s.
- Rewards are only redeemable at Dillard’s, not for cash back.
Contacting Customer Service
If you lose your card, notice unauthorized charges, or have questions about your rewards, you should contact Citibank’s Dillard’s service department immediately. They can help you freeze your account and issue a replacement card.
For general inquiries, the customer service lines are generally open Monday through Saturday from 7:00 AM to midnight CST, and Sunday from 10:00 AM to 8:00 PM CST. Having your account information ready will help the representative assist you more quickly.
The Dillard’s Credit Card is a practical tool for anyone who shops at the department store regularly. By using the card responsibly and taking advantage of the rewards program, you can save a significant amount on your apparel and home goods purchases. For more helpful guides on managing store credit cards and improving your financial health, explore our other articles on SearchAndHelp.com.