The Macy's Store Card can't be used anywhere. It can only be used at Macy's and macys.com. The Macy's American Express Card, on the other hand, can be used anywhere Amex is accepted, including Macy’s.
You need good or excellent credit (700 or higher) to get the Macy’s Amex, and at least fair credit (640 or higher) to get the Macy’s Store Card.
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