Dillard’s Credit Card: A Helpful Guide for Shoppers

If you’re a regular Dillard’s shopper or looking to make a big fashion or home purchase, the Dillard’s Credit Card might catch your eye. With two card options and a decent reward program, it’s designed to benefit frequent customers. Here’s what you need to know before applying.

️ Dillard’s Credit Card Options

Dillard’s offers two types of credit cards, both issued by Citi:

1. Dillard’s Store Card

• Can only be used at Dillard’s locations or online
• Best suited for loyal in-store or online Dillard’s shoppers

2. Dillard’s American Express Mastercard

• Can be used anywhere Mastercard is accepted
• Earns rewards beyond just Dillard’s purchases

Both have no annual fee.

Rewards Program Breakdown

With either card:

• 2 points per $1 spent at Dillard’s (in-store or online)

With the Mastercard version:

• 2 points per $1 at gas stations and supermarkets
• 1 point per $1 on all other purchases

Once you hit 1,500 points, you can choose:

• A $10 Rewards Certificate OR
• A 10% Off Shopping Pass (valid for one day)

Points expire after 12 months, so plan your redemptions accordingly.

Welcome Bonus for New Cardholders

Spend $100 on your card the same day you’re approved, and you’ll receive:

• A 10% Off Shopping Pass (capped at $100 savings)
• Applied to your first billing statement

Elite Status Perks

If you spend $2,000+ at Dillard’s in a calendar year, you’ll be upgraded to Elite Status:

• Free standard shipping on online orders
• Complimentary gift wrapping in-store
• Exclusive bonus-point promotions and early access to sales

Quick Comparison Table

How to Apply and Manage the Card

Apply Online

• Head to Dillard’s Card Application Page

Manage Your Account

• Log in at Dillard’s Card Portal to:
  • View statements
  • Make payments
  • Track rewards

Customer Support

• General Help: 1-833-773-0029
• TTY: Dial 711
• Available 24/7 for most issues

✅ Should You Get It?

This card is a great fit if:

• You shop at Dillard’s often and want to earn store-focused rewards
• You’d benefit from Elite perks like free shipping and bonus offers
• You want a no-annual-fee card to build credit or earn points

Skip it if:

• You rarely shop at Dillard’s
• You prefer broader travel or cash-back rewards
• You don’t like rewards that expire

Final Thoughts

The Dillard’s Credit Card is a solid option for fashion-forward shoppers and loyal customers. If you frequent Dillard’s stores or website, the points, welcome bonus, and Elite perks offer real value. Just make sure to track your points before they expire and use the card enough to make the rewards worthwhile.