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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 credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Oct 12, 2018
Macy's Credit Card Review
- 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 1.04% 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 $15.55 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 (19.51%) and excellent credit (13.98%). 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.
Oct 12, 2018
Another popular card for you
Starwood Preferred Guest® Credit Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
17.74% - 26.74% (V)
Annual Fee
None 1st yr, $95 after
Rewards Rate
2 - 6 points / $1
Rewards Bonus
75,000 points
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.
- Plenti members get 3 points per $1 spent at restaurants outside of Macy's, 2 points per $1 spent at gas stations and supermarkets, and 1 point per $1 spent on qualifying purchases at Macy's and everywhere else American Express is accepted. You can earn Plenti points on qualifying purchases at Macy’s until 3/15/18
Macy's Credit Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
27.24% (V)
-
ANNUAL FEE
None
Macy's Credit Card's Additional Info
-
MAX LATE FEE
$38
-
MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
None
-
GRACE PERIOD
25 days
-
ONLINE RESPONSE
No
-
CASH ADVANCE
APR
27.24% (V)
-
CASH ADVANCE
FEE
4% (min $5)
-
FOREIGN
TRANSACTION FEE
3%
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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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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
Nov 7, 2016 · @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 2
ASHLEY WADE
Jun 25, 2017 · @shlee
You can cancel your Macy’s Credit Card by calling the phone number on the back of the card. 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.
2
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 44
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Upvotes
I have an open credit card with macys. I lost the card and it has not been in use for a while but how do i get a new card senf? Reply
0
Upvotes
What is the average Macy's card credit limit? Reply
Brianne Larch
Sep 19, 2018 · @BrianneLarch
Most cardholders report Macy's card credit limits ranging from $500 to $2,500. In general, credit card limits vary, based on three main factors: your credit score, your income and your current credit utilization ratio.
So even if the limit doesn't seem too appealing, you will be able to ask for an increase after 6 months. If you do, it's best if you used your card on a regular basis and did not miss any payments.
0
Upvotes
How can I pay my Macy's American Express credit card? Reply
William Drake
Oct 4, 2018 · @will_drake
Paying your Macy's credit card is easy. First, log into your account at macys.com account, and under your Credit Profile enter the account number and routing information for your bank account. Please note that debit cards are not accepted for online payments.
Once your card has been added:
1. Select "Sign In" from the top right-hand corner of the Macy's homepage.
2. Sign into your Macy's account using the corresponding email address and password.
3. Hover your mouse over "My Account" at the top right-hand corner of the Macy's homepage for the dropdown menu to appear.
4. Select "Macy's Credit Card."
5. From this new page, you should see your statement balance, minimum payment due, and payment due date as well as several links to managing your account.
6. Click the red "Make a Payment" button to be taken into the payment portal.
You can also pay your Macy's credit card by phone, after calling the number on the back of your card, but I find online to be the easiest.
0
Upvotes
What is the standard Macy's Amex credit card credit limit? Reply
Brianne Larch
Sep 19, 2018 · @BrianneLarch
Most cardholders report limits between $1,000 to $5,000, depending on their creditworthiness, income, and debt load, so it's safe to assume you'll be in that bracket.
0
Upvotes
Macy's Credit Card Reviews
Share your insights and review the Macy's Credit Card.
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!
Comment
Aug 10, 2018
WARNING!!! DO NOT apply for this card. It is not possible to give zero stars as a review, but Macy's deserves zero stars. Macy's had a security breach April-June 2018. I applied for this card in June and never received the card. I did receive a bill for $220 that was charged in a Macy's store in a different state. I happened to come across this breach by accident. I was never informed of it by any of the first 3 people at Macy's that I spoke to about my identity being stolen. 5 days after I reported the fraud to Macy's, I received a call about making a payment on the account. The person had no idea there was a fraud alert on my account and told me my account was still active. A supervisor couldn't explain how my account was still active 5 days after I filled a fraud complaint with them. They are also giving me the run around and refuse to send me the "Security Breach" letter that has the redemption code for the free monitoring they are supposed to be giving to people. I was even told by one Macy's rep, that they didn't have a security breach. The breach is listed under Wisconsin's official Consumer Protection site and many other official sites. Dealing with Macy's will become a part time job for anyone who applies for this card, and has to deal with any form of fraudulent charges, due to Macy's negligence, greed, and lack of caring about any of it.… read more… read more
May 11, 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.… read more
Mar 26, 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,… read more
Apr 17, 2017
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.… read 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.… read 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.… read more
Pay cash of use your visa. Never again with Macy's.… read 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.… read 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.… read 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.… read 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.… read 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… read 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: October 12th, 2018 at 09:57
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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 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: Oct 12th, 2018 at 09:57 ET