Apply Dillard’s Credit Card | Application Status | Rewards

Managing a Dillard’s Credit Card login, making timely payments, and handling high interest rates can often feel complicated for cardholders. Many people struggle with situations like paying their balance without having the physical card, figuring out secure online login options, or trying to negotiate lower APRs that sometimes climb above 25%. At the same time, retail-branded cards often spark debates among users. Some find them convenient for shopping perks, while others worry about hidden fees and high interest. To stay on top of these challenges, it’s important to understand the different ways you can access your account, make payments through online or offline channels, and explore strategies to manage or reduce interest charges. By combining practical knowledge with insights from real customer experiences, cardholders can make smarter financial decisions and get the most out of their Dillard’s Credit Card.

How to Apply for a Dillard’s Credit Card

You can apply for a Dillards Credit Card online or in-store by providing basic personal and financial details. A credit score of 640+ is generally recommended, with instant approval possible depending on your credit profile.

Apply Online

• You can apply through the Dillard’s Credit Card page on the official Dillard’s website (https://www.dillards.com/c/DillardsCard) or directly via Citi’s site.
• You see the two option on your screen > “Apply Now” or “See If I Prequalify” > button.
• Clicking “See If I Prequalify” triggers a soft credit pull, which doesn’t impact your credit score.
  • Full name, address, and phone number, then click the > continue > button.
  • Now You need to confirm your address
  • Enter your > residential status, monthly housing payment, and total annual net income.
  • Provide your > date of birth (MM/DD/YYYY) and Social Security Number, then click Continue.
• When you choose the >Apply Now > option, you’ll need to provide:
• Type your Phone Number and Social Security Number (SSN).
• After fill some information like income, address and more.

Apply In-Store

• Visit any Dillard’s store and request an application form.
• Fill out the same details as the online application if any problem so reach out the manger or support staff.
• In some cases, you may receive instant approval.
• If approved, you may be eligible for either the Dillard’s Store Card or the Dillard’s Mastercard®, depending on your profile.

Credit Score Requirement

• Generally, you need a credit score of 640 or higher (fair credit) to qualify.
• Even with a score above 640, approval isn’t guaranteed—income, debts, and overall credit history are also considered.
• The average approved score is around 693, with many applicants above 700.
• Applicants with scores below 660 may face difficulty getting approved.

How to Check Your Dillard’s Credit Card Application Status

You can track your Dillard’s Credit Card application in two main ways:

Online:

• Option 1: Check your application status by Application ID and ZIP code
  • Go to the Citi application status portal website (https://online.citi.com/US/ag/cards/app-status).
  • Check your application status by typing application ID and ZIP code.
  • After Hit the “Check Your Status” option.
• Option 2: Check your application status by Phone Number, Zip Code and Date of Birth
  • Enter your primary phone number, ZIP code, and date of birth.
  • The system will display whether your application is approved, pending, or denied.

By Phone:

• Dillard’s Credit Card phone number:- 1-833-773-0031.
• Provide the some details (DOB, phone, ZIP code) of your Dillard’s customer service credit card support.
• The automated system or a representative will confirm your status.

Processing Time: Many applications are decided instantly, but if further review is required, it may take 7–10 business days. If your application is denied, Citi will send you a letter explaining the reason.

How to Log In to Your Dillard’s Credit Card Account

• Go to the Official Login Portal
  • Find the Citi/Dillard’s Credit Card login page to securely access your account.
• Enter Your Credentials
  • Use your registered User ID and Password to sign in.
• Click the > “Sign On”

Access Account Features

• Once logged in, you can:
  • Check your balance or view statements.
  • Make dillard’s credit card payment.
  • Manage rewards.
• First-Time Users? Register / Enroll First
  • If you’re new, click “Register” or “Enroll” to set up your login credentials before accessing your account.

Dillard’s Credit Card Benefits & Rewards

The Dillards Credit Card offers 2x points on Dillard’s, gas, and supermarket purchases, plus a 10% welcome pass. Spend $2,000 annually to unlock Elite perks like free shipping, gift wrapping, and exclusive events with no annual fee.

Tier / Condition	Key Benefits & Details
All Cardholders	2 points per $1 at Dillard’s, gas stations, supermarkets 1 point per $1 on all other purchases (Mastercard only) New cardholders get a 10% off Shopping Pass on first-day purchases (up to $100 savings)
1,500 Points Reached	Choose between: – 10% Shopping Pass (savings up to $100 on next purchase) – $10 Rewards Certificate Points don’t expire as long as account is active
Elite Status ($2,000/year)	Automatic upgrade after $2,000 annual spend Free standard shipping (one per month) One free gift wrap per month (in-store only) Access to private shopping events & exclusive offers Bonus point opportunities (double/triple points promos)
Financing Options	0% APR “Club Plan” Financing: – Men’s tailored clothing purchases of $200+ (12 months) – Furniture $2,500+ (24 months) – Furniture/home furnishings/luggage $200+ (12 months) Only for Dillard’s American Express cardholders
General Features	No annual fee Accepted at all Dillard’s locations & online Mastercard version usable anywhere Mastercard is accepted Fraud protection & online account management

 

Dillard’s Credit Card – Frequently Asked Questions