How To Make a Dillard’s Credit Card Payment

Dillards store
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Regarded as one of the top fashion retail stores in the United States, Dillard’s Inc. provides a vast assortment of styles and value to its customers. Customers can choose from two different credit cards when financing purchases on items such as apparel, footwear, accessories and housewares — the Dillard’s store credit card and the Dillard’s American Express credit card.

The Dillard’s store credit card and the Dillard’s American Express card offer rewards for shopping in the store, online or by catalog or phone. Once you earn 1,500 points on either credit card, you can redeem a 10%-off shopping pass. Additionally, Dillard’s American Express cardholders earn two rewards points per $1 spent at U.S. gas stations and grocery stores and one reward point per $1 spent on all other purchases.

Read More: Why It’s Time to Get Rid of Your Store Credit Card

To take advantage of these rewards and benefits, you’ll need to keep your credit card account in good standing, which includes making at least the required minimum payment by the due date each month. Here’s how to pay your Dillard’s credit card.

How Do I Pay My Dillard’s Credit Card?

Dillard’s offers several options to pay your credit card bill. Whether you prefer to pay it online, by mail, by phone or in-store, these options are available. Here’s what you need to know:

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How To Make a Dillard’s Credit Card Payment Online

Dillard’s offers the option to pay your credit card online. Here’s how to pay your Dillard’s credit card online:


  1. Navigate to the Dillard’s online payment center.
  2. Enroll in Dillard’s Card Services to access online payment options as well as other options like paperless billing.
  3. If you’ve already enrolled, you will “Sign on” as an existing user by providing your username and password.
  4. Click the blue “Sign on” or “Enroll” button, depending on if you are a new or existing user.
  5. Follow the prompts to make your payment.

How To Make a Dillard’s Credit Card Payment by Mail

Dillard’s offers cardholders the option of paying by mail. Allow extra time for your payment to reach the payment address and be credited. To pay by mail, follow these steps:

  1. Write a check payable to “Dillard’s” for at least the minimum payment to avoid late fees. Pay the full amount of your last statement balance to avoid interest charges.
  2. Mail your Dillard’s payment to one of the three following addresses, depending on your location.
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West Coast

Dillard’s cardholders residing in Washington, Oregon, California, Arizona, Nevada, Idaho, Utah, Montana, Wyoming, Colorado, New Mexico, Texas, North Dakota, South Dakota, Alaska or Hawaii, along with military or foreign addresses, should mail their payment to:

Dillard’s/Wells Fargo Bank, N.A.
P.O. Box 51193
Los Angeles, CA 90051-5493


Dillard’s cardholders residing in Minnesota, Wisconsin, Michigan, Nebraska, Iowa, Illinois, Indiana, Kansas, Missouri, Oklahoma, Arkansas, Louisiana or Mississippi should mail their payment to:

Dillard’s/Wells Fargo Bank, N.A.
P.O. Box 77053
Minneapolis, MN 55480-7753

East Coast

Dillard’s cardholders residing in Maine, Vermont, New Hampshire, Massachusetts, New York, Rhode Island, Connecticut, Philadelphia, New Jersey, District of Columbia, Delaware, Maryland, Ohio, West Virginia, Virginia, Kentucky, Tennessee, North Carolina, South Carolina, Alabama, Georgia or Florida should mail their payment to:

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Dillard’s/Wells Fargo Bank, N.A.
P.O. Box 71118
Charlotte, NC 28272-1118

How To Make a Dillard’s Credit Card Payment by Phone

Dillard’s also offers the option of making a payment by phone. Service representatives are available Monday through Saturday, 7 a.m. to midnight CST and Sunday, 10 a.m. to 8 p.m. CST, but the automated system is available 24/7 at 800-232-8489. Have your bank account number and bank routing number ready when you call.

How To Make a Dillard’s Credit Card Payment in Store

You can also make an in-store payment by visiting Dillard’s customer service department or requesting to make a payment at any register. You can make your payment with either cash or check.

Dillard’s Credit Card Late Fees and Penalties

No matter which Dillard’s card you have, each month, you’ll have at least 23 days from the close of your billing cycle to pay your entire balance to avoid interest. Paying the minimum payment by the due date will help you avoid late payments, but interest will still accrue. Missed or late payments incur the equivalent of the minimum amount due or $25, whichever is less. A fee of up to $35 will apply if you have more than one late payment within a six-month period.

This article has been updated with additional reporting since its original publication.

Information is accurate as of Aug. 15, 2022.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by American Express. American Express credit card products are not available through

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About the Author

Cynthia Measom is a personal finance writer and editor with over 12 years of collective experience. Her articles have been featured in MSN, AOL, Yahoo Finance, INSIDER, Houston Chronicle, The Seattle Times and The Network Journal. She attended the University of Texas at Austin and earned a Bachelor of Arts degree in English.
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