The Dillard’s Credit Card is issued by Citibank, N.A. While the card carries Dillard’s branding, all financial operations including credit decisions, billing, payments, and customer service are handled by Citi Retail Services.
Citibank took over the Dillard’s credit card program from Wells Fargo, with existing cardholders transferred to Citi as of September 2024. The lineup includes a store only card and the Dillard’s American Express Card, usable anywhere American Express is accepted. Apply at dillards.com or in any Dillard’s store.
Dillard’s is an American department store chain headquartered in Little Rock, Arkansas, with locations across the United States. It partners with Citibank to offer private label and co branded credit products tied to its rewards program.
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Who Issues the Dillard’s Credit Card
Citibank, N.A. operates Citi Retail Services as a dedicated division focused specifically on issuing and managing private label and co branded credit cards for a wide range of national and regional retail partners.
Citibank, N.A. is the chartered bank that now extends credit and holds every account opened under the Dillard’s credit card program. The Dillard’s card previously moved from Wells Fargo to Citi as part of a broader industry pattern of retailers periodically switching card issuing partners.
Cardholders who previously held a Dillard’s card issued by Wells Fargo were automatically transferred to Citi accounts, meaning any older cardholder agreements referencing Wells Fargo no longer reflect the current issuing bank behind the account today.
What Citi Retail Services Does
This division of responsibilities allows Dillard’s to focus on retail operations and store experience while Citi Retail Services absorbs the underwriting risk, collections, and regulatory compliance obligations tied to consumer lending.
Citi Retail Services manages underwriting, statement mailing, the online account portal, and customer service for Dillard’s cardholders, while Dillard’s focuses on merchandising, store operations, and the rewards benefits tied to the program.
Citi Retail Services also issues cards for several other major retailers, giving it substantial experience managing large scale private label and co branded credit programs across the department store and specialty retail sectors.
Dillard’s Credit Card Features
Cardholders should review the current rewards structure and any promotional financing offers listed on the official application page, since Citi periodically updates program terms for the Dillard’s card lineup.
The Dillard’s lineup includes a store only card usable exclusively at Dillard’s locations and online, and the Dillard’s American Express Card, which can be used anywhere American Express is accepted, earning rewards on purchases both in and outside of Dillard’s stores nationwide.
Cardholders typically earn points on purchases that can be redeemed for Dillard’s gift cards or discounts, along with special financing offers on qualifying larger purchases such as furniture or designer items.
How Dillard’s Compares to Other Department Store Cards
Consumers who shop at multiple department stores sometimes carry more than one store card, weighing the specific rewards rates, financing offers, and annual fees of each program before deciding which store cards are worth keeping active in their wallet.
The Dillard’s card program follows a similar dual card structure to other department store credit programs, offering both a closed loop store card and a broader use co branded option, similar in concept to programs from Macy’s or Nordstrom that also mix a store only option with a broader use co branded card.
Shoppers comparing Dillard’s against other department store cards such as the Macy’s Credit Card or the Nordstrom Credit Card should note that each program uses a different issuing bank and rewards structure.
Applying for the Dillard’s Credit Card
Because approval and starting credit limits depend on individual credit history, applicants should treat any preapproval offer seen in store as a starting point rather than a guarantee, and confirm final terms once an application is reviewed.
Applicants can apply for the Dillard’s Credit Card online through the official Dillard’s credit card page or in person at any Dillard’s store. The application is reviewed by Citi Retail Services, which determines approval and the starting credit limit.
Reviewing the official terms directly through the Dillard’s credit card page is the most reliable way to confirm current fees and rewards details before applying, since promotional terms can change.
Frequently Asked Questions
Was the Dillard’s Credit Card always issued by Citibank?
No. The Dillard’s Credit Card was previously issued by Wells Fargo Bank, N.A. Citibank took over the program, with existing cardholders transferred to Citi accounts as of September 2024.
Is the Dillard’s American Express Card the same as the store only card?
No. The store only Dillard’s card can be used exclusively at Dillard’s, while the Dillard’s American Express Card can be used anywhere American Express is accepted, both issued and serviced by Citi Retail Services.
How can I talk to Dillard’s Credit Card customer service?
Cardholders can reach Dillard’s Credit Card customer service through the phone number listed on the back of their card or through the Citi Retail Services online account portal associated with the Dillard’s program.
What is the Dillard’s Credit Card payment address?
The correct mailing address for payments appears on each monthly billing statement and inside the online account. Cardholders can also confirm the current address through the official Dillard’s credit card page.
What are the requirements to get the Dillard’s credit card?
Issuers generally review income, existing debt, and credit history when deciding on an application, and federal rules limit what information a card issuer can request. Full detail on these protections is available from the Consumer Financial Protection Bureau.
How do I make a Dillard’s Credit Card payment?
Payments can be made online through the Citi Retail Services account portal, by mail using the address on the monthly statement, or by phone. Enrolling in autopay helps cardholders avoid a missed due date.
How do I make a Dillard’s Credit Card payment by phone?
Cardholders can make a payment by phone by calling the customer service number listed on the back of their card and following the automated payment prompts, or by speaking with a representative directly during normal business hours for additional help.
I am Jack Neel, a mechanical engineer, researcher, and writer. I created this website to share my knowledge about different brands and products with you. I research the manufacturers behind the brands and provide you with the information you need to make smart buying decisions.