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Macy's Credit Card
Info about the Macy's Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
September 21, 2021
Review: Macy's Credit Card
- Good or excellent credit required. You'll need good or excellent credit to get approved. However, the Macy's Store Credit Card, only requires fair credit for approval. You can compare the Macy's Amex Credit Card and the Macy's Store Card here. That's important because there is only one application. You won't be able to apply for either Macy's credit card specifically. Macy's and Department Stores National Bank (the card's issuer) decide which card an applicant receives. If approved for both, you can choose which one you wish to keep. 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 at least 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 3% cash back on all Macy’s purchases for the next 12 months, beginning in February. And if you spend $1,200+ within that same timeframe, you’ll earn 5% back at Macy’s for the next year. You also earn 3% back at restaurants (including food delivery), 2% back at gas stations and supermarkets. All other purchases yield 1% back. 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 1.11% 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 $21 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 (19.49%) and excellent credit (13.07%). 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.
This Macy's Credit Card review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
September 21, 2021
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.
- Platinum members get 5% back (5 points/$1), Gold members get 3% back (3 points/$1) and Silver members get 2% (2 points/$1) in rewards with no exclusions on Macy’s merchandise.
- Get 3% back (3 points/$1) in rewards at Restaurants including food delivery, 2% back (2 points/$1) in rewards at Gas Stations & Supermarkets. 1% back (1 point/$1) in rewards 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
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 25.24% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
25.24% (V) |
| ANNUAL FEE
|
$0 |
|---|
Macy's Credit Card's Additional Info
| MAX LATE FEE
|
$40 |
|---|---|
| MAX OVERLIMIT FEE
|
None |
| MAX PENALTY APR
|
None |
| GRACE PERIOD
|
25 days |
| ONLINE RESPONSE
|
No |
| CASH ADVANCE APR
|
25.24% (V) |
| CASH ADVANCE FEE
|
4% (min $5) |
| FOREIGN TRANSACTION FEE
|
3% |
| SMART CHIP
|
Yes, chip-and-signature |
- Online Account Access.
- Special partner savings on dining, shopping and more.
- Exceptional value on flights, hotels, car rentals, cruises and vacation packages.
- Last updated on 9/21/2021
at Department Stores National Bank's
secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Macy's Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
How do I log into my Macy's Credit Card? Reply 7votes1votes
Evelyn Boros
@evelyn_boros
To log in to your Macy's Credit Card account, go to the login page on the Department Stores National Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account. If you don’t already have an account, you will need to start by clicking “Create Account” in order to set up a username and password.
How to Log in to a Macy's Credit Card Account
- Register your Macy's Credit Card for online account access. Click “Create Account” and enter your full name and email address to verify your credit card account.
- Choose your Macy's Credit Card password. The password must contain between 6 and 17 characters and have no spaces. The password is not case sensitive and may contain special characters. Note that your username will be your email address.
- Log in with your new Macy's Credit Card credentials. From the login page on the Department Stores National Bank website or mobile app, fill out the Email and Password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you’ll be able to manage your Macy's Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot your Password?” on the Department Stores National Bank login page. Then, just follow the prompts to reset or retrieve your username or password.
7
Upvotes
How can I pay my Macy's American Express credit card bill? Reply 15votes1votes
Evelyn Boros
@evelyn_boros
You can make a Macy's Credit Card payment online, by phone, through the Department Stores National Bank mobile app, by mail or at a branch. To pay a Macy's Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Department Stores National Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Macy's Credit Card Payment
- By phone: Call 1-888-257-6757 and enter your card information when prompted.
- Online: Log in to your online account and click on “Make a Payment.”
- Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
- By mail: Send a check or money order (but not cash) to Macy's American Express Card / PO Box 9001108 / Louisville, KY 40290-1108. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
- At a branch: You can make a payment at any Department Stores National Bank branch during normal business hours.
- At a store: You can make a payment at any Macy's location.
15
Upvotes
How do I close my Macy's credit card account? Reply 4votesvotes
Maria Adams
@m_adams
You can close your Macy's Credit Card by calling customer service at (866) 593-2543. Just state your request and provide the information necessary to confirm your identity. Before you close your account, make sure to redeem any rewards you have saved up. You’ll also need to repay any balance that you owe.
The above also applies to the Macy's Store Card.
4
Upvotes
How can I reach Macy's Credit card customer service? Reply 1votesvotes
@pinkstar
You can reach Macy's Credit Card customer service by phone at (888) 257-6757.
You may also call the same phone number for any questions you might have about the Macy's Store Card.
For the hearing impaired, the customer service phone number is (800) 281-0820.
1
Upvote
How can I make my Macy's credit card payment online? Reply 8votesvotes
Jaiden Fraser
@jaidenf
To pay your Macy's Credit Card online, go to the Macy's website and sign in to your Macy's account. Navigate to the "Macy's Credit Card" section, then click "Make a Payment." From there, you can choose your payment amount, the date of your payment, and the bank account you want to pay from (debit cards are not accepted). Click "Continue," then verify and authorize your payment.
Before you can pay your Macy's Credit Card online, however, you'll need to add the credit card to your Macy's account online. To do this, find the "Macy's Credit Card" section, then click "Add Macy’s Card." You'll need to provide your credit card number, your name, the card's security code, and the last 4 digits of your Social Security number, then hit "Add Card." Pick the security questions that work best for you, then hit "Save." You’ll only have to add your Macy’s Credit Card once, paying online is easier after that.
8
Upvotes
Where can I check my Macy's Credit Card balance? Reply 5votesvotes
Sebi Mitchell
@sebim
You can check your Macy’s Credit Card balance online, by signing in to your account. From here you can also view and print up to 12 consecutive months' statements or pay your credit card bill.
If it’s easier for you to check your balance via the phone, call (888) 257-6757.
5
Upvotes
Where can I check my Macy's credit card statement? Reply 1votesvotes
Syd Jones
@syd.jones
You can check your Macy's Credit Card statement online by following these steps:
- Log in to your Macy's account with your email address and password.
- Select "My Account."
- Select “Macy's Credit Card."
- Select the "Statements & Recent Activity" button.
- You can then choose the date and format of the statement you want to view or print in the "Download Statements" section on the page. Simply select the PDF option if you would like a format that resembles a traditional statement.
You can view and print up to 12 consecutive months of statements online. You can also request paper statements, including copies older than 12 months by contacting Macy's Credit Card customer service at (888) 257-6757.
1
Upvote
Can I pay my Macy's Credit Card with a gift card? Reply 5votesvotes
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
Where can I find the security code on my Macy's Credit Card? Reply 4votes1votes
Peter Fox
@PeterFox
The Macy's Credit Card 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.
4
Upvotes
Macy's Credit Card Reviews
Share your insights and review the Macy's Credit Card.
Sep 15, 2021
No matter where I’m goin I can always find something appropriate at Macy’s. I live close, the staff is always friendly and the merchandise always beautifully displayed.
Comment
Sep 20, 2021
Great rewards and discounts with the use of Macy’s credit card! Setup automatic payments for the minimum due. They will always send a reminder. I would recommend this card!!
Sep 07, 2021
Better than the rest very good card I enjoy it perks and benefits I enjoy to report to credit score went down then right back up I love Macy’s
Sep 03, 2021
Macy Credit Card/American Express is amazing. And service is excellent/superb..I can make purchases at most elegant shops. And the card is extremely user friendly..
Aug 29, 2021
Always have sales on shoes clothes and good variety of choices that you always can find a good deal in men’s women’s home goods shoe
Aug 25, 2021
I never got a bill because COVID messed up mail thought I was on auto pay but they didn’t care and made a late payment on my credit report
Aug 20, 2021
It's a good card and interest rate isn't bad if you pay monthly bill . Lots of choices to get online from the store . Otherwise I don't use card much. Helped me get a regular card
Aug 17, 2021
I love Macy's credit card. Has great savings. I finished paying the Macy's credit card and in the very near future, I will be using again and paying more than minimum payment as I have in the past. That's why it's paid off. So I can enjoy their sales experience
Aug 14, 2021
This credit card has helped me improve my credit and with the low payments I can maintain all the other credit cards that I have opened and at the same time they increase credit limit and keep me posted on what I owe and I can make payments including monthly payments from my bank plus earn points to lower my balance
Aug 12, 2021
When I opened credit card Macy's about 5 years already I don’t have any problems with my credit card also Macy's upgraded my credit from Macy's card store change to American Express that very good Thanks Macy's good taking care customers
Aug 02, 2021
Great card High interest but if your payments are made on time you shouldn't have any problems. Thanks Macy's for all you do and more!!
Jul 31, 2021
Using my card gives me very good deals on my purchases. I like very much the discount I am able to get with my Macy's for me and my family.
Jul 28, 2021
Love the promo codes for being a card holder, especially during sales. I get regular mailers and emails keeping me informed of events. Interest can be high though so it’s beneficial to pay the balance off each month.
Jul 28, 2021
good only for macy's and i don't shop there very often. I don't use it for anything else, as I have far better cards. I've had problems straightening out mistakes and that's not good.
Jul 26, 2021
Macy's is amazing! Their customer service as well as employees go above and beyond to help. If they know of deals, they actually want you to know and apply to your purchase.
Jul 24, 2021
Macy’s has good sales and will always check to see what they have that will save some coins in my pocket… I will Definitely recommend
Jul 12, 2021
Verified Customer
I applied for this card, because it was recommended to me. I heard they have a great quality on furniture and also my granddaughter loves shopping there. When she’s allowed I will get her own Macy’s card
Jul 08, 2021
Verified Customer
A very fine card to use as well as the rewards are very beneficial and amazing. It comes in handy for gifts because I really love the store and the shirts that they sell are to my liking.
Jul 08, 2021
Verified Customer
Macy’s is a nice store except when they lower your credit rate, which does affect everybody’s credit rating as we know. I don’t get there often Kohl’s has better prices.
Jun 23, 2021
Verified Customer
I just got an increase of just $100.00 which for a high end store is not what I expected and credit line increases by phone are no longer available with a human being
Jun 22, 2021
Verified Customer
This company likes to send misinformation about your bill on your statement and then when you show them proof they try to pretend like they don't see the proof that's in her face. They love to argue with you over the phone.
Jun 21, 2021
Verified Customer
Really pressured into getting this card. I have never used it. But it wasn’t costing me anything and it allowed me to to get out without causing a show for everyone to watch.
Jun 20, 2021
Verified Customer
Siempre quedo satisfecho con mis compras en Macys y ahora me cambiaron la tarjeta para una American Express,lo cual me abre más oportunidades de crédito,muchas gracias..
Jun 15, 2021
Verified Customer
They gave me wrong credit reports, this account was not opened feb 2020, My Macy’s is just upgraded to Amex June 2021 and I don’t have a current debt for Amex Macy’s because The card hasn’t arrived in the mail yet, today is June 15, 2021
Jun 12, 2021
Verified Customer
No comments Macy’s credit cards services… needs some work.. the representatives not exactly know how upgrade work or the exact requirement
Jun 11, 2021
Verified Customer
Not a fan of this card nor third interest rate or how they bill customers. Will be canceling card immediately. It makes more sense to use a regulate credit card anyhow.
Jun 06, 2021
Verified Customer
This credit card will have you shopping always such a variety to buy At macy's.and I love to shop.Hard to keep my payments down.I am always in need of something they sell
Jun 06, 2021
Verified Customer
When I was in my late 20s I was unable to pay my bill on time. Macy's lowered my credit limit to $100. Now, 25 years later, after paying every single bill on time and in full, Macy's wil not increase my credit limit. But they provide amazing discounts for card holders.
Jun 01, 2021
Verified Customer
I'm very disappointed in the way they handle the credit for their customers. They increase the interest rate without warning, they access unrealistic late fees even when they are the ones to withdraw the payment later than the payment date. They drop your available limit, even when you are making your payments as intended.
May 29, 2021
Verified Customer
Just got this card because I was a platinum member on my last card so I got one Amex so I figured let me just get one more to see if I’ll get accepted and 5000 CL was approved
May 19, 2021
Verified Customer
I like the brands Macy’s offers. Although I pay my balances off monthly, I utilize this card for savings on many of my purchases. Not only do I purchase things for my husband and myself, we have a big family and I rely on Macy’s for gifts for many of them.
May 15, 2021
Verified Customer
I love the updates and the opportunity and help in raising my credit score! I also loves the notifications!! The app is very friendly and easy to use
May 14, 2021
Verified Customer
I love my Macy's card and going shopping in their stores they always go above and beyond. I always refer people there and am happy to make it
May 13, 2021
Verified Customer
I love the fact they give me rewards from the purchases that I make it with makes the difference in whether I make a purchase or not
May 12, 2021
Verified Customer
I love that my star rewards are automatically saved to my Macy's credit card. I never have to carry savings certificates in my purse.
May 12, 2021
Verified Customer
I closed this account 3 years ago but can't get it off my credit reports. I want it removed from my credit report. Please close it and get it off my reports.
May 12, 2021
Verified Customer
It helps having options with a considerable line of credit. Shopping at Macy's or somewhere else. Wonderful choices and selections at Macy's.
May 09, 2021
Verified Customer
Good card. I use it monthly to cover all my children's needs in the way of clothing, shoes, undergarments, school supply and needs
May 06, 2021
Verified Customer
Every day sale and discount. Free shipping or curbside delivery. Lots of different brands to choose from. Easy return and instant credit return.
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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.
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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.
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 the issuer’s responsibility to ensure all posts and/or questions are answered.
Last updated on: Sep 21st, 2021 at 09:43 ET
Related Credit Cards
If you are interested in the Macy's Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Macy's Credit Card is related to the following categories:
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 the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Sep 21st, 2021 at 09:43 ET