CI
Citibank

Dillard's Credit Card

$0 Annual Fee
See terms Purchase APR
580+ Recommended FICO
Points Reward Type
Browse Cards Citibank Dillard's Credit Card

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 2x
Point Value~0.01¢ each
ExpirationPoints expire 12 months after earned
Redemption NotesPoints can only be redeemed for a 10% Off Shopping Pass (valid for one day's eligible purchases at Dillard's, max $100 discount) or a $10 Rewards Certificate for eligible Dillard's purchases — both redeemable only at Dillard's; the minimum redemption threshold is 1,500 points (equal to approximately $10 in value or a 10% shopping pass); points cannot be redeemed for cash, statement credits, or transferred to other programs; Rewards Certificates and Shopping Passes cannot be combined with Dillard's percentage-off coupons, redeemed for cash, or used for prior purchases or gift cards
CategoryRateTypeCap
Dillard's Purchases
Earn 2 points per $1 on net eligible purchases (purchases minus returns, refunds, credit adjustments, discounts, and the portion paid using Rewards Certificates or a Shopping Pass) at Dillard's stores and dillards.com with the Dillard's Credit Card or Dillard's Mastercard®; points expire 12 months after earned.
2x Points No cap
Gas Stations
Earn 2 points per $1 on net eligible purchases at U.S. gas stations with the Dillard's Mastercard® only; not available on the store-only Dillard's Credit Card.
2x Points No cap
Supermarkets and Grocery Stores
Earn 2 points per $1 on net eligible purchases at U.S. supermarkets and grocery stores with the Dillard's Mastercard® only; not available on the store-only Dillard's Credit Card.
2x Points No cap
All Other Purchases
Earn 1 point per $1 on all other net eligible purchases everywhere Mastercard is accepted with the Dillard's Mastercard® only; not available on the store-only Dillard's Credit Card.
1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
Both the Dillard's Credit Card and the Dillard's Mastercard® carry no annual fee.
Financial $0 annual fee
Up to $0
Special Financing Offers on Qualifying Purchases
Cardmembers may be eligible for special promotional financing on qualifying Dillard's in-store purchases; not available for purchases online at dillards.com or over the phone; subject to credit approval at select stores.
Financial Subject to credit approval
Exclusive Mastercard® Priceless Experiences and Special Offers (Mastercard® only)
Dillard's Mastercard® cardholders have access to exclusive Mastercard Priceless Experiences and special offers worldwide; specific experiences and offers vary and are detailed at mastercard.us/world.
Lifestyle Complimentary
24/7 Customer Service
Cardmembers have access to Citi customer service 24 hours a day, 7 days a week; Dillard's Credit Card: 1-833-773-0029; Dillard's Mastercard®: 1-833-773-0031; TTY available via 711 or other Relay Service.
Other Complimentary
Online Account Management
Cardmembers can manage their account online at dillards.accountonline.com to view statements, make payments, and monitor rewards balances.
Other Complimentary
$10 Rewards Certificate Redemption (at 1,500 points)
Once 1,500 points are earned, cardmembers may alternatively choose a $10 Rewards Certificate for eligible purchases at Dillard's; cannot be redeemed for cash or used for gift cards or prior purchases.
Rewards $10 Rewards Certificate
Up to $10
1 Point per $1 on All Other Purchases (Mastercard® only)
Earn 1 point per $1 on all other net eligible purchases everywhere Mastercard is accepted with the Dillard's Mastercard® only; not available on the store-only Dillard's Credit Card.
Rewards 1 point per $1
10% Off Shopping Pass Redemption (at 1,500 points)
Once 1,500 points are earned, cardmembers may choose a 10% Off Shopping Pass valid for one day's eligible purchases at Dillard's (maximum $100 discount); cannot be combined with Dillard's percentage-off coupons or Rewards Certificates.
Rewards 10% off (up to $100 discount) per eligible shopping day
Up to $100
2 Points per $1 at Dillard's
Earn 2 points per $1 on net eligible purchases at Dillard's stores and dillards.com with the Dillard's Credit Card or Dillard's Mastercard®; points expire 12 months after earned.
Rewards 2 points per $1
2 Points per $1 at Gas Stations (Mastercard® only)
Earn 2 points per $1 on net eligible purchases at U.S. gas stations with the Dillard's Mastercard® only; not available on the store-only Dillard's Credit Card.
Rewards 2 points per $1
2 Points per $1 at U.S. Supermarkets and Grocery Stores (Mastercard® only)
Earn 2 points per $1 on net eligible purchases at U.S. supermarkets and grocery stores with the Dillard's Mastercard® only; not available on the store-only Dillard's Credit Card.
Rewards 2 points per $1
$0 Liability on Unauthorized Charges
Cardmembers are not responsible for unauthorized charges on their account; Citibank will not hold the cardmember responsible for charges they did not authorize.
Security Complimentary
10% Off Welcome Shopping Pass
New cardmembers who charge $100 in net purchases at Dillard's on the day of account opening receive a 10% Off Welcome Shopping Pass included in their first statement; maximum $100 discount, valid for one day's eligible Dillard's purchases.
Shopping 10% off one day's purchases (up to $100 discount)
Up to $100

Fees

Annual Fee $0 — No Annual Fee
Balance Transfer FeeThe greater of a minimum dollar amount or a percentage of the amount of each transfer (Dillard's Mastercard® only; exact amounts disclosed in the Credit Card Agreement)
Cash Advance FeeThe greater of a minimum dollar amount or a percentage of the amount of each cash advance (Dillard's Mastercard® only; exact amounts disclosed in the Credit Card Agreement)

Approval & Eligibility

580 Recommended minimum FICO · Range 580–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyEasy
Credit ProfileFair
Approval OddsVery Good
Decision TimeInstant
Pre-QualificationNot available
Student EligibleYes
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Returned payments, account inactivity resulting in point expiration, suspicious purchase patterns, abuse of rewards program, excessive cash advances (Mastercard® version)
Cliff Effect Rules
The Dillard's card program consists of two tiers — the open-loop Dillard's Mastercard® and the store-only Dillard's Credit Card; holding the store-only card does not permanently block the Mastercard tier, and creditworthiness improvements may allow an upgrade over time. There is no documented cross-product bonus restriction between the Dillard's card and other Citi Retail Services co-branded cards. Points earned expire 12 months after earned regardless of card tier, creating a de facto cliff for infrequent shoppers who cannot accumulate the 1,500 points needed for a Shopping Pass or Rewards Certificate before expiration.
International Friendly
May have limitations for international use.
Additional Issuer Rules
The Dillard's Credit Card welcome offer (10% Off Welcome Shopping Pass, maximum $100 discount) requires the cardmember to charge $100 in net purchases at Dillard's on the day of account opening — the pass is included in the first statement and is only available to new cardmembers; Dillard's employees and Friends and Family Program participants are explicitly excluded. Citibank Retail Services does not publish a specific card velocity rule equivalent to Chase 5/24, but community data indicates Citi may be cautious with applicants who have recently opened multiple Citi Retail Services co-branded accounts in a short period. Applicants are automatically considered for both the Dillard's Mastercard® (open-loop) and the store-only Dillard's Credit Card in a single application — the tier assigned is based on creditworthiness, and applicants cannot select their preferred version.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Citibank
$0
Annual Fee
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Quick Summary
Annual Fee Free
RewardsPoints
Min. FICO580+
Online
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