Apply For a Dillard’s Credit Card – How to Apply

Shopping at Dillard’s is an experience that many Americans cherish. With its wide range of products, from apparel to home goods, Dillard’s has become a household name. For those who frequent this beloved department store, the Dillard’s Credit Card might seem like an attractive option.

Dillard's Credit Card Application

Dillard’s Credit Card

In this post, we will look into the benefits, features, costs, and application process of the Dillard’s Credit Card, ensuring you have all the information you need to make an informed decision.


  • Rewards Program: Earn rewards points for every purchase made at Dillard’s stores or online.
  • Special Offers and Discounts: Enjoy exclusive discounts, sales, and promotions available only to cardholders.
  • Birthday Surprise: Receive a special gift on your birthday as a token of appreciation.
  • No Annual Fee: No annual fee is charged for holding the Dillard’s Credit Card.


  • Rewards Points: Earn 2 points for every $1 spent at Dillard’s stores or online. Points can be redeemed for future purchases or other rewards.
  • Bonus Points: Receive bonus points for specific purchases or during promotional periods, providing an opportunity to maximize your rewards.
  • Exclusive Cardholder Events: Attend special in-store events and receive invitations to exclusive sales and promotions.
  • Flexible Financing Options: Enjoy flexible financing options, such as deferred interest or equal payment plans, for qualifying purchases.
  • Fraud Protection: Benefit from advanced fraud protection measures to safeguard your account and personal information.

Cost and Fees

While the Dillard’s Credit Card does not charge an annual fee, it’s essential to understand the associated costs and fees:

  • Annual Percentage Rate (APR): The APR for Dillard’s Credit Card ranges from 26.99% to 29.99%, which is considered high compared to other credit cards.
  • Late Payment Fee: A late payment fee of up to $40 may be charged if you fail to make your minimum payment on time.
  • Cash Advance Fee: A cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater, may apply.

Apply For a Dillard’s Credit Card

Applying for the Dillard’s Credit Card is straightforward, and you can do so in-store or online:

  1. In-Store Application: Visit any Dillard’s store and ask a sales associate to assist you with the credit card application process.
  2. Online Application: Visit the Dillard’s website and navigate to the credit card section. Fill out the online application form with your personal and financial information.

During the application process, you’ll need to provide details such as your name, address, income, and Social Security number. Dillard’s may also perform a credit check to determine your creditworthiness.

Tips to Activate the Card

Once your application is approved, you’ll receive your new Dillard’s Credit Card in the mail. Before using it, you’ll need to activate the card by following the instructions provided.

This typically involves calling the activation number or visiting the Dillard’s website and entering your card information.

Login Guide and Forgotten Login Details

Dillard’s provides an online account management system for cardholders. To access your account, visit the Dillard’s website and follow these steps:

  • Click on the “Dillard’s Credit Card” or “Account Login” section.
  • Enter your username (usually your credit card number) and password.
  • If you’ve forgotten your login details, click the “Forgot Password” link and follow the prompts to reset your password.

How to Make Payments

Dillard’s offers several convenient payment options for cardholders:

  • Online Payments: Log in to your Dillard’s Credit Card account online and make payments using your checking or savings account or a debit or credit card.
  • Mail Payments: Send your payment by check or money order to the address provided on your monthly statement.
  • In-Store Payments: Visit any Dillard’s store and make a payment at the customer service desk using cash, check, or your Dillard’s Credit Card.
  • Automatic Payments: Set up automatic payments from your bank account or debit/credit card to ensure timely payments each month.

Customer Service

Dillard’s provides dedicated customer service for credit cardholders. If you have any questions, or concerns, or need assistance with your account, you can reach out to their customer service team via phone – you can call Customer Service at 1-800-643-8278, email, or mail.

Dillard’s Credit Card Mobile App

Manage your Dillard’s Credit Card account on the go with the Dillard’s mobile app. Available for both iOS and Android devices, the app allows you to view your account balance, make payments, track your rewards, and receive exclusive offers and notifications.


The Dillard’s Credit Card can be a valuable addition to your wallet if you’re a frequent shopper at Dillard’s stores or online. With its rewards program, exclusive offers, and financing options, the card offers several benefits to cardholders.

It’s crucial to consider the high APR and potential fees before applying. By understanding the details outlined in this comprehensive guide, you can make an informed decision and maximize the value of your Dillard’s Credit Card.

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