Christie Matherne, Credit Card Writer
@christie_matherne
The Macy's Credit Card cash advance limit is equal to a portion of your overall credit limit, and you can find more details on your monthly statement or by calling Citibank customer service. You'll also need to contact customer service to get a PIN if you're getting a cash advance at an ATM.
Key Things to Know About Macy's Credit Card Cash Advances
- The Macy's Credit Card charges fees and separate interest rates for cash advances. It charges a fee of 4% (min $5) and an interest rate of up to 33.24% (V).
- There’s no grace period on Macy's Credit Card cash advances. The amount of cash you withdraw will start to accumulate interest right away, with no grace period.
- ATM fees and limits are possible. Out-of-network ATMs can get expensive. ATM owners typically charge a fee of around $2 - $5, and banks often charge their customers another $1 - $2 fee for using out-of-network ATMs on top of that. Different ATMs may have their own cash withdrawal limits, as well.
Due to their extremely high cost, cash advances should only be used for emergencies. To learn more, check out WalletHub’s guide to credit card cash advances.
Popular Credit Cards from Our Partners
dericahollis01, Member
@dericahollis01
My green direct Express card keeps saying no transactions and it money on the card and it not letting me take no money off the card
People also ask
What's the best cash advance credit card?
The best cash advance credit card is the Star One Visa Signature Rewards Card because it has a $0 cash advance fee and a low cash advance APR (8.75%). Such low cash advance costs are very uncommon, as other cards typically charge cash advance fees of 3% to 5% with an interest rate well over 20%.
Best Cash Advance Credit Cards in 2025
| Card | Cash Advance Fee | Cash... |
Does the Macy's Credit Card build credit?
Yes, the Macy's Credit Card builds credit, since Department Stores National Bank reports your account information to all three major credit bureaus each month. Making on-time payments and keeping your balance low will improve your score. On the other hand, missing payments and maxing out your limit can hurt your credit.
How to Build Credit with a Macy's Credit Card
- Keep your credit utilization low. It’s good to keep your balance below 30% of your credit limit both on each...
What is the difference between the Macy's cards?
The main difference between the Macy’s cards is that the Macy's Credit Card can be used anywhere American Express cards are accepted, while the Macy's Store Card can only be used for purchases at Macy's and macys.com. But there are a few more things to consider when comparing these cards, too.
Macy's Credit Card vs. Macy's Store Card
| Category | Macy's Credit Card | Macy's Store Card |
| Initial Bonus | 30% discount when you apply, get approved, and use your card on purchases made the same day ... | 30% discount when you apply, get approved, and use your card on purchases made the same day |
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.