Is Dillard's Card a Mastercard or Visa?

Activate your Dillard’s account online to easily manage your card, monitor rewards, and keep your account secure anytime, anywhere. As you explore the benefits of having a store credit card, you might question how it functions compared to regular bank cards. If you’re planning to apply, a key thing to understand is whether the Dillard’s card is a Mastercard or Visa and the answer varies based on the type of card you’re approved for.

Types of Dillard’s Credit Cards

1. Dillard’s Store Credit Card

• This is a closed-loop card
• Can only be used at Dillard’s stores or website
• Does not belong to Visa or Mastercard network

Best for: People who shop only at Dillard’s

2. Dillard’s Mastercard

• This is an open-loop card
• Can be used anywhere Mastercard is accepted worldwide
• Offers rewards on everyday purchases

 Best for: People who want flexibility beyond Dillard’s

According to financial sources, the newer Dillard’s cards are now issued on the Mastercard network (not Visa), especially after switching providers in recent years.

Why Not Visa?

Dillard’s currently partners with Citibank, and their co-branded card runs on the Mastercard payment network, not Visa.

This means:

• You won’t get a Dillard’s Visa card
• If approved for a general-use card, it will be a Mastercard version

Which One Will You Get?

When you apply, the bank decides:

• If you qualify for higher credit → you may get Dillard’s Mastercard
• Otherwise → you may get the store-only card

In some cases, you may even get a choice.

Benefits of Dillard’s Mastercard

• Use it worldwide
• Earn rewards on shopping, gas, and groceries
• More flexibility than a store-only card
• Same Dillard’s rewards perks