Chip Lupo, Credit Card Writer
@CLoop
Yes, the Macy's Credit Card is a credit card. The Macy's Credit Card is issued by Citibank, works wherever American Express is accepted, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.
Key Facts About the Macy's Credit Card
- Issuer: Citibank
- Network: American Express
- Credit requirement: Good credit
- Annual fee: $0
- APR: 32.99% (V)
- Foreign transaction fee: 3%
- Rewards: 1 - 5 points per $1
To sum things up, Macy's Credit Card is a credit card, but it may or may not be the best credit card for you depending on your needs, qualifications and spending habits. You can learn more about this card from WalletHub’s full review.
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People also ask
What bank issues Macy's Credit Card?
The Macy's Credit Card is issued by Citibank.
read full answer by Maria Adams, Credit Cards ModeratorIs Macy's Credit Card a Visa or Mastercard?
Macy's Credit Card is not a Visa or a Mastercard – it is on the American Express network. This means the Macy's Credit Card has a bit less worldwide acceptance than a Visa or a Mastercard but should still be usable at most merchants within the U.S.
Unless you’re focusing specifically on international travel, it doesn’t matter much what network your card is on. In that case, you’re best served by getting a Visa or Mastercard credit card with...
read full answer by Lisa Cahill, Credit Cards ModeratorIs it hard to get the Macy's Credit Card?
Yes, it is hard to get the Macy's Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Macy's Credit Card.
In order to get the Macy's Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to...
read full answer by Lisa Cahill, Credit Cards ModeratorDid we answer your question?
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