Minimum Credit Score Needed 
Good
Macy's Credit Card
Info about the Macy's Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Dec 2, 2019
Review: Macy's Credit Card
- In-store application only. Interestingly enough, if you want to earn Macy’s rewards on non-Macy’s purchases, you’ll have to visit a Macy’s store location. Because you can’t apply for the Macy’s American Express Credit Card online. You’ll also need good or excellent credit to get approved. However, neither of those things can be said of the Macy’s Store Credit Card, which allows online applications and only requires fair credit for approval. You can compare the Macy’s Amex Credit Card and the Macy’s Store Card here. You can also check your credit score for free on WalletHub to see which offer you’re most likely to get approved for.
- Nice initial bonus. The Macy’s American Express Card offers 20% off Macy’s purchases made the day of account opening and the following day, up to $100 in savings. In other words, you should aim to spend $1,000 or less the first couple days, which shouldn’t be a problem for most people.
- Underwhelming ongoing rewards. Exactly how rewarding the Macy’s Amex will be depends on how much you spend. If you spend $500 to $1,199 at Macy’s from December 1 to November 30 in a given year, you will earn store credit equaling 1.5% cash back on all Macy’s purchases and 1% back on everything else for the next 12 months, beginning in February. And if you spend $1,200+ within that same timeframe, you’ll earn 3% back at Macy’s and 1% on everything else for the next year. Unfortunately, the way things are structured means you won’t earn much in the way of purchase-based rewards the first year your account is open. And since the best store-affiliated credit cards offer 5% back, while the average cash rewards card gives you 1.07% back on all purchases, it’s clear that the everyday rewards part of the equation is a bit underwhelming.
- Regular discounts save the day. Fortunately, the Macy’s Amex sweetens its offer with other perks. As long as you spend at least $1 at Macy’s, you’ll receive three so-called Star Passes per year, each of which is good for a certain percentage discount. Spending $500 gets you six of these Star Passes, while spending $1,200+ scores you 12 of them. Using these discounts wisely is therefore the key to saving money on an ongoing basis with the Macy’s Amex Card.
- No annual fee. Most retailer-affiliated cards don’t charge an annual fee. But the Macy’s Amex is still $18.81 per year cheaper than the average credit card thanks to this particular feature.
- Very high APR. The Macy’s American Express Card charges interest that's well above the averages among credit cards for people with good credit (20.94%) and excellent credit (14.45%). And since you need good or excellent credit to get approved for the Macy’s Amex, it’s clear you should not use this particular card for carrying a balance from month to month.
Dec 2, 2019
Another popular card for you
Chase Sapphire Preferred® Card
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
17.49% - 24.49% (V)
Annual Fee
$95
Minimum Credit
Good
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Macy's Credit Card's Rewards
- Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days.
- All members get 25% off any day of choice with Star Passes. Savings events and more.
- Gold (Annual Spend more $500 or more) & Platinum members (Annual spending $1200 or more) get free standard shipping on Macy's purchases and a Birthday Offer.
- Platinum members get 5% back (5 points/$1) in rewards with no exclusions on Macy’s merchandise.
- Get 3 points per $1 back in rewards at Restaurants, 2 points per $1 at Gas Stations & Supermarkets. 1 point per $1 everywhere else.
- Rewards go toward Star Money which you can use at Macy's with no merchandise exclusions. Once you accumulate 1,000 points, a $10 Star Money reward will be issued.
Macy's Credit Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
26.74% (V)
-
ANNUAL FEE
None
Macy's Credit Card's Additional Info
-
MAX LATE FEE
$39
-
MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
None
-
GRACE PERIOD
25 days
-
ONLINE RESPONSE
No
-
CASH ADVANCE
APR
26.74% (V)
-
CASH ADVANCE
FEE
4% (min $5)
-
FOREIGN
TRANSACTION FEE
3%
-
SMART CHIP
Yes, chip-and-signature
- To apply for the Macy’s American Express Card visit Macy’s store.
- Online Account Access.
- Special partner savings on dining, shopping and more.
- Exceptional value on flights, hotels, car rentals, cruises and vacation packages.
at Department Stores National Bank's secure site
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If you are interested in the Macy's Credit Card, check out the following credit cards as well:
Other Macy's Cards
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Macy's Credit Card to our community.
What is MCYDSNB on my credit report?I dont think its bad, but I want to make sure. I dont think its bad, but I want to make sure. Reply 2
WalletHub
@WalletHub
“MCYDSNB” is a code used by credit reporting agencies. “MCY” stands for Macy’s, the department store. “DSNB” stands for Department Store National Bank, which just so happens to issue the Macy’s credit cards. So when you put it all together, “MCYDSNB” refers to a Macy’s credit card from Department Store National Bank. The credit report code “DSNB/MACYS” is sometimes used to describe this type of account, too.
You have nothing to worry about if you own such a card or you recently applied for one. If not, you should dispute the item on your credit report that makes reference to “MCYDSNB.” We also recommend adding a fraud alert to your file and following the other steps in our guides to dealing with unrecognized accounts and inquiries (whichever your situation warrants).
Finally, signing up for a free WalletHub account will allow you to review your credit score and report, updated daily, and enjoy 24/7 credit monitoring. That will make it easier to spot any other credit report errors or potential signs of fraud, whether present or future.
2
Upvotes
How do I close my Macy's credit card account? Reply 3
Kathryn B. Hauer
@KathrynHauer
Hi! I am a Macy's card holder, and I checked in with them to see how to cancel the card. If you have an online Macy's account, you can log in, open up chat, and cancel that way. You can also call them to cancel at 1-866-593-2543. You could also write to them and cancel at Macy's Card, P.O. Box 8113, Mason, OH 45040. Thanks for writing!
3
Upvotes
How can I make my Macy's credit card payment online? Reply 3
MICHAEL BATTLE
@mikebattle
Well first you need to add your Macy’s card to your Macy’s online profile (macys.com). You will need the account number, your name, the security code on your card plus the last four digits of your SSN. After you’ve added the card, on the "Macy's Credit Card" page select the red "Make a Payment" button, add or select payment source and then you complete the steps and you’re done.
3
Upvotes
Can I pay my Macy's Credit Card with a gift card? Reply 5
William Drake
@will_drake
You cannot pay your Macy's credit card with a gift card.
Macy’s does not accept gift cards or credit cards as payment for a Macy's Credit Card.
You can pay your credit card bill online, by adding your bank account. You can also do so in a store at any cash register, with cash, a check or a debit card.
5
Upvotes
How can I reach the Macy's Credit Card customer service? Reply 4
Frieda Reiss
@freiss
The credit card customer service number for Macy’s is 888-257-6757.They are only available during business hours, Monday-Saturday 9AM–10PM EST/PST and Sunday 11AM–8PM EST/PST.
If you need to reach them to make a credit card payment, it's easier to it online. They have this video guide that can help.
4
Upvotes
Where can the Macy's American Express card be used? Reply 44
Thomas Friedman
@icytom
Seems kinda obvious, but you can use the Macy's Amex anywhere American Express is accepted.
4
Upvotes
I have a Macy's AMEX card which I'd like to set up so that I can upload my statement transactions to my Quicken app. This card doesn't appear on my acct page at the Amex website because, I'm told, Dept Stores Nat Bank is the actual TPA that manages it for Macy's. Please advise me on proper procedures for linking this cc acct to my accounting software. Reply 45
4
Upvotes
Will my Macy's Credit Card come with a PIN? Reply 2
George Feulter
@george_feulter
For security reasons, your Macy's Credit Card PIN won't come in the mail. However, you won't need a PIN number for regular purchases.
When shopping in a Macy's store and using a chip-enabled terminal at checkout, simply insert your Macy's Credit Card, follow the screen prompts, sign and then remove your card when you are prompted.
PIN numbers are only required when performing ATM cash advances, and you can request one by calling the number on the back of your card. It's important to know that the costs that come with ATM cash advances are way too high, so avoid using your Macy's Credit Card at ATMs, unless it's an absolute emergency.
2
Upvotes
Where is the security code on Macy's card? Reply 21
Peter Fox
@PeterFox
Yeah, most cards have the security code on the back. AmEx has a 4-digit one on the front of its cards, above the credit card number, and also a 3-digit one on the back, in its usual place. This supposedly adds an extra layer of security, but you’ll only use the front number anyways.
2
Upvotes
Macy's Credit Card Reviews
Share your insights and review the Macy's Credit Card.
Nov 16, 2019
They changed my due date and did NOT notify me! I was using their monthly Autopay so I was completely unaware of the change. When I called them the woman said I had been late for months, so according to her I am responsible...CROOKS! I told her I had not been notified of any changes and she replies (like she is doing me a favor) that she "will remove the late payment fee". BTW, last I checked it was NOT removed. Another reviewer here said they charge interest even when you pay the balance in full and he is ABSOLUTELY correct. I've had that happen several times.… show more
Comment
Oct 27, 2019
After canceling a cable company that didnt deliver what they said they could do wich was streamming movies and canceling this card as well, macys amex imposed the continued payment to cable Co. But when they didnt received my payment, then they decided to cancel but have been asking for that one payment and I disputed that now 3 time over the last year, amex claims the dispute was resolved, I say "not by me! Anyway im doing just fine with that score.… show more
Sep 20, 2019
I used this card a lot when the kids were growing up. Never found any other store where I could get everything I needed for them in one place. Macy's was a staple for years with me. I just stopped using them so much and account closed.
Sep 09, 2019
Had one of the worst experiences ever with customer service. I will not do business with Macy's anymore after this. I put a freeze on my credit file due to Identity Theft. On the same phone call I requested that a new card be sent to me. They never sent me a card and in a couple months later my account was canceled due to inactivity with no prior warning. Nothing was done to remedy the situation, not even so much as a sorry you're having to deal with this or I understand your frustration from the employee I spoke with over the phone… show more
Aug 15, 2019
I applied and was approved for the Store Card. My FICO is 689. They denied me for AMEX card although I already have a AMEX card. Also the initial credit limit was $300. I immediate called and closed it. I really do not need a low limit card. I was eyeing a couch in their store and thought I would apply for their credit card. Looks like I will have to put the couch on another card.… show more
Jun 02, 2019
This is the worst card to have. If you have it, just close it! The way they treat customers is just bad... Having a Macy's card is the easiest way for you to lower your credit score! I don't know what they do, but it is never to your advantage!
Jan 12, 2019
Call me Mr. Stupid if you like but when we first got the card, like others, we saved 20% on a purchase of $ 300.00. My wife uses the card to buy other things than from the store and never showed me the statements. Then, I found the bill of $ 1700.00 she owes that I have to pay for and charges of .99 fees charged and $ 4.81 Intrest charge even though we make way over the minimum payments every month. I have since put a stop on the card and when paid off will NEVER, EVER get this card again… show more
Jan 02, 2019
The only thing I appreciate is that it is accepted outside of Macy's, essentially everywhere that accepts AMEX. Unfortunately linking the card and accessing account informatiion is not a user-friendly process. I am currently on hold, now 28 minutes on 1/2/19 waiting for a representative to fix it so that I can pay online. Apparently, prior to running the promo they didn't make payment options user-friendly enough. I entered my card # however the site is not accepting it. The heavy call volume suggests that this is a problem for many at this time.… show more
Dec 05, 2018
The Macy's employee lied about doing a soft pull to upgrade my regular macy's card to a macy's amex card, and they did a hard pull that affected my credit which I was trying to carefully increased for refinancing. Can't believe they can lie on something like this.
Oct 12, 2018
This company charged me $2.00 additional AFTER I asked for a credit balance for full payment of my account! THEN they had the temerity to charge an additional amount. I fought with them for 60 days on the overcharge that I was not notified about. It increased by $2.00 every month and finally it was settled. I will NEVER have an AMEX MACY'S charge again!
May 10, 2018
I just cancelled my Macy's AMEX after many years because I JUST noticed (my bad) that they are charging me interest even when I pay the full balance on time every month. They have some almost criminal way of calculating whether you have paid your balance in full and if there is $.01 remaining balance on the date due, you get charged interest on the full amount due. No way am I going to stand for this nonsense! They've lost a good customer forever.… show more
Mar 25, 2018
I've used this card for over 5 yrs and no problems, I do remember the 2 card and extra accounts days which I thought was a nightmare. When I applied in store I was approved for both ( Store -2k and Amex -8k) had what they called 2 accounts in 1 card and both were on statement. That summer I added a "furniture account" of 6k. Then Aug of 2015 I think, they decided to combine CL to one card w/ all CLs combined which is what my letter said and what happened. I ended up w/ 17.4k CL which was cool / me and no problems . Yet, I have seen on forums where all didn't get combined. In my experience thus far I haven't had any problems with Macy's or the bank, I have enjoyed shopping there and like other retailers they have their rewards programs of different tiers and levels,… show more
Feb 10, 2016
I can't wait to cancel this card. I seldom use it but, recently, I had some unauthorized charges on the account. They very quickly canceled my card and sent me a new one. Good.
Then the fun began. I cannot believe the amount of paperwork I have to complete to get these charges off my account. I have never experienced this with any other credit card (visa, mastercard). As soon as this dispute is resolved, I will cancel this card.… show more
Then the fun began. I cannot believe the amount of paperwork I have to complete to get these charges off my account. I have never experienced this with any other credit card (visa, mastercard). As soon as this dispute is resolved, I will cancel this card.… show more
Jun 14, 2016
The clerk in the store tells you they will 'combine' your Macy's card with the 'new Macys' American Express' BUT THEY DO NOT. Billing issues, payments applied to wrong account, etc, etc. This is a scam and a nightmare. Never again will I shop at Macy's or use American Express!
Mar 08, 2016
I have a Macy's Amex card that I only ever use in Macy's. When I received my bill this month there was a strange charge from a company I never heard of in TX with only a phone number, no description of what was purchased or anything other than the amount. I called Macy's on a Saturday and after waiting an automated message stating that they were busy hung up on me. Eventually after 20-30 minutes back through the auto - can't talk to a person system I finally got to a human but could barely understand her with her thick accent. She told me to call the number from this merchant and see what's up. I have never been treated by a credit merchant this way. Other credit cards call you and tell you they suspect fraud and take action. After I called back a third time I got them to disput the charges and they would send me out a packet for me to do more work for them. Why pay 20 percent interest when you have to manage the work for them. On Sunday I got a call from the fraud department asking more questions, when I told them I was taken back about the comment for me to call this merchant , she informed me that it would take 6 wees for Macy's to get to the bottom of it and It can usually be resolved quicker if the customer intervenes. She closed the account and sent out a new card. So on Monday , I call the merchant explain the case and they see that the charge is fraudulent. They cannot help me without the expiration date of the card which I cut up and trashed based on direction from Macy's. So a 4th call to Macy's to ask for the expiration date of the old invalid card. After 40 minutes with some of the stupidest people I have ever spoken with they reluctantly transfer to the fraud department. These genesis tell me that they do not have access to my old card expiration date. So After over two hours and countless calls to both Macy's and the vendor how posted a fraudulent charge there is nothing I can do and I have to wait for Macy's to investigate, after I fill out all kinds of paperwork. I am a loyal Macy's customer for 35 plus years but after this experience, I will cancel the account when I get the new card and sadly never step foot in Macy's again. When will a company as Great and historic as Macy's realize that outstanding customer service is a prerequisite to a successful customer experience. So sad that people in a call center God knows where has caused me to boycott Macy's.
Pay cash of use your visa. Never again with Macy's.… show more
Pay cash of use your visa. Never again with Macy's.… show more
Dec 25, 2015
This card is nice for in-store purchases. I saved 20% when I opened the card (I bought some Chanel for a gift) and receive a lot of coupons in the mail. There are not many other rewards though. I do not use the card outside of Macys because there are not other rewards and I like my other cards better.
Dec 12, 2015
Ever since I applied and received my Macy's credit card my mailbox stays full of Macy's coupons, which should be a positive thing. The only negative is it seems a lot of the things I want to purchase are always excluded from the items you can use the coupons on. It is very frustrating picking something out and believing that I will be getting an extra 20% off only to discover when I check out that the item I am purchasing is not eligible for the discount.… show more
Oct 01, 2015
it is just a great product, with the best user experience i have had with a store card. first of all there are a lot of deals always going on, and you get an even better deal if you pay with the card. also, there is no need to take your coupons with you anymore, your credit card has them on file for you, so their paper version works more as a reminder than a coupon. it is true that the APR could be lower but i always pay it in full, i just use it for the convenience, and special deals, and the special treatment you receive from the store staff.… show more
Apr 24, 2015
This Macy's store credit card is one of the best cards I have ever had. Besides the very reasonable finance options, this card gets you so many sales and deals almost every week. I save a ton of money using this card. In my opinion if you like shopping at Macy's, this is a must have card!
Apr 16, 2015
By having the Macy's card we have been getting great ongoing offers but their customer service -- both online and by phone -- needs huge improvements. For example, the experience that you get on Macy's online portal is what you got from major credit card companies 10 years ago!
Mar 04, 2015
Worst Card ever! The CS is really rude. They made a mistake by rejecting my payment, but let me pay their mistake by paying penalty for them. I have no idea my payment had been cancelled until I kept receiving many annoying phone calls. I am glad I closed this awful card finally. If you wanna get troubles, you should have this card.
Feb 16, 2015
The Macy's card is great for in-store and online purchases at Macy's, especially in conjunction with the frequent coupons printed in the newspaper or sent via email. Unfortunately, I wish there were a few more perks/incentives associated with using this card at Macy's itself. On the plus side, I have never had a problem with paying my bill online (very easy!) and there are no hidden fees or errors with my bill. Overall, quite convenient if you shop at Macy's often.… show more
Nov 18, 2014
I signed up for the Macy's card earlier this year because I was making a big purchase and you get 20% of when you open a Macy's account. I do all my payments online and the website is very simple and easy for tracking your purchases and payments. I will say that the discounts after the initial sign up are not that great. I recently used the card again for only the second time because they were having a deal where I get an extra 15% if I use my card. If you are a regular Macy's shopper and watch for promotions, you can get some pretty good discounts, but regular purchases with the card are not going to save you much money.… show more
Sep 12, 2013
The Macy's american express credit card does not give you much benefits. When you sign up for the credit card, they give you a 20% off the whole store, including make up. That is the only time that you can get discounts on make up, so that's the best time to stock up on make up. After you sign up, there are no more good freebies that comes with this credit card. Macy's gave me a $20 credit, if I use the american express credit card five times in a grocery store. I just used this credit card for that reason and I do not plan on using this credit card outside of macy's anymore… show more
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
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Last updated on: December 2nd, 2019 at 12:04
Related Credit Cards
If you are interested in the Macy's Credit Card, check out the following credit cards as well:
Other Macy's Cards
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Dec 2nd, 2019 at 12:04 ET