How To Make a Dillard’s Credit Card Payment

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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.

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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:

Paying Online

  1. Navigate to the Dillard’s online payment center.
  2. If you haven’t set up your online account, click “Enroll Now” to do so. You’ll need to provide your card number, the last four digits of your Social Security number, your date of birth and your email address, then click “Continue” and follow the prompts.
  3. Once you’ve enrolled, enter your username and password on the payment center page and click “Sign On.”
  4. 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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Make sure you double check the address to ensure you have the right one before you mail your payment — the mailing address should be on your credit card statement.

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.

For the Dillard’s credit card, service representatives are available Monday through Saturday, 7 a.m. to midnight CST and Sunday, 10 a.m. to 8 p.m. CST, at 1-800-643-8278.

Dillard’s American Express cardholders should call 1-866-834-6294 — this line is available 24/7.

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 a fee of up to $40.

Information is accurate as of Jan. 17, 2023.

Editorial Note: This content is not provided by any entity covered in this article. 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 any entity named in this article.

All information about American Express card offers have been collected independently by GOBankingRates and have not been reviewed or approved by American Express, Member FDIC. These offers are not available through GOBankingRates.

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About the Author

Cynthia Measom is a personal finance writer and editor with over 15 years of collective experience. Her articles have been featured in MSN, AOL, Yahoo Finance, INSIDER, Houston Chronicle and The Seattle Times. She attended the University of Texas at Austin and earned a Bachelor of Arts degree in English.
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