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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
Jan 6, 2021
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 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 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 1.08% 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 $18.3 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 (19.3%) and excellent credit (13.04%). 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.
Jan 6, 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 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
|
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 |
- 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.
- Last updated on 1/6/2021
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.
How do I log into my Macy's Credit Card? Reply 3
Benny Joseph
@Benjy_1
To log into your Macy's Credit Card account you'll need to add your card to your macys.com account. You will be required to provide your account number, your name as it appears on your card or statement, the card's security code and the last four digits of your Social Security number.
To start, select My Account from the drop-down menu and in the Macy's Credit Card section select the Add Macy's Card button. Fill in your information, then select the Add Card button. Lastly, set up your security questions, then select the Save button.
After these steps, you'll be able to pay online, view your account balance and your billing statements.
3
Upvotes
How do I close my Macy's credit card account? Reply 4
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!
4
Upvotes
How can I reach Macy's Credit card customer service? Reply 1
@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 pay my Macy's American Express credit card bill? Reply 151
William Drake
@will_drake
You can pay your Macy's American Express credit card bill:
Ultimately you could also send your payments via mail to the following address:
Macy's American Express Card
PO Box 9001108
Louisville, KY 40290-1108
Keep in mind that sending a payment by mail is the slowest method available. So make sure to send yours at least 5-7 days before your due date to avoid any late fees.
15
Upvotes
How can I make my Macy's credit card payment online? Reply 6
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.
6
Upvotes
Where can I check my Macy's credit card statement? Reply 1
Syd Jones
@syd.jones
You can check your Macy's credit card statement by following these steps:
- Log in to your Macy's account with your email address and password.
- Under Macy's Credit Card on the left, select the "Macy's Credit Card" link.
- Click the gray box to the right called "Statements & Recent Activity."
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. You can view and print up to 12 consecutive months of statements online.
1
Upvote
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
Where can I find the security code on my Macy's Credit Card? Reply 41
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
Where can I check my Macy's Credit Card balance? Reply 5
Sebi Caciuleanu
@sebic
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
Macy's Credit Card Reviews
Share your insights and review the Macy's Credit Card.
Jan 07, 2021
Do not apply for this card!! After applying for Macy's American Express Card while purchasing a $3000+ king bed and adjustable base because they were offering 12 months interest free payments, we discovered after getting approved and setting up automatic payments online to avoid any late payments, that Macy's had been charging interest every month and now is giving excuses and saying issue will be resolved within 1 billing cycle, which was in October, and nothing has been resolved. Every contact with them results in the same excuse of 1 billing cycle before rectified. Not only will we never use this card again, we'll never shop at Macy's either.… show more
Comment
Jan 06, 2021
Terrible experience with American Express. WARNING do not apply for this credit card. I received a bill that is triple my purchase. Never got any statements. Customer service is terrible also. One star is too much for this terrible experience.
Dec 11, 2020
Avoid this card at all cost! I got this card through the macy's store. I have good credit history and always pay my bills. I changed a new card 09/20 for security reasons. After I got my new card, Macy's American Express charged me again for $565.26, which I have already paid off! I called Macy's and the woman I spoke with, putting me on hold over an hour because she had to speak with her supervisor a few times. Instead of resolving the double charges, she kept playing games with me and even told me to bring a calculator, which is not only a game, but an insult--I graduated from an Ivy league school, mind you. She said that she would call me back in a few days for follow up, but she never did. Now it's two billing cycles and Macy's American Express still keeps charging me the money that I have already paid! This is a robbery! I will continue contact with macy's until the matter is resolved.… show more
Aug 19, 2020
Never ever apply or use this credit card. If you do that, that will be a start of the nightmare. First, the 5% reward has a due date. So if you don’t keep purchasing from Macy’s, that is useless. Second, we just found out they submitted a late payment report to my husband’s credit union. The story is one day my husband pick up a 1-800 phone call ask him to contact MACY customers service. We found out we have $50 balance due has pass due date for 30 days. Before that, we never receive any notification. And they even never send email or text information to inform us that we have balance due. We paid it as soon as possible. Then we contacted Macy credit union to ask their help to do the goodwill adjustment, the staff just don’t care and not willing to do this. This is the first late payment for us for the passing 20 years and now will stick on my husband’s credit report for 7 years. And recently we need to do home refinancing, that will be really bad impact on it. Just because that $50 balance due. Terrible. We were Macy’s platinum member ship. After this, neither we nor our family member will come back to Macy’s anymore or use American Express.… show more
Apr 02, 2020
Verified Customer
This is the worst card that you can have. My initial credit was $ 4000, I never had the need to push it to the limit and I always make my payments on time. A month ago I made a payment of $ 500 to the card and they responded by lowering my limit to 1600 ???? !!!! THEY HAVE NO SHAME !!, EVERYTHING TO KEEP CHARGING MORE INTERESTS ?? !!! HORRIBLE
Feb 25, 2020
December 2019, I contacted Macy’s to help me with a dispute with a vendor, Blessed Touch Massage. She promised to refund my money for services not rendered. She never issued a credit so I contacted customer service for assistance to get my money refunded to my AMEX. I provided 8 pages of documentation, including an IM from her stating she would issue a credit the following business day.
On January 29, 2020, I received a letter stating they resolved my fraud claim and ruled in favor of the vendor because she was willing to work with me. These were prepaid services for massage sessions from Blessed Touch Massage that she did not provide. She didn’t show up for a session, I received no call or advance notice. I didn’t hear from here for days until I posted a negative review on Facebook. She messaged me and I explained her bizarre behavior on the previous session combined with the no show session I was no longer comfortable receiving any further services from her due to the intimate nature of the service. She agreed to refund the remainder of the money in writing!!!! How do you come up with a judgment in her favor?
I immediately contacted the number on the letter and was transferred, disconnected and put on hold for well over two hours. I finally got Esther to listen to me before transferring me again. She figured out it was misclassified and promised to forward to dispute resolution. I thought it would finally be processed correctly and I would have a resolution shortly. Nope!
I received another letter dated February 19, 2020, for a resolution for Walmart.com in the amount of $45.99. I have never used my card at Walmart.com. I immediately contacted the number on the letter and again, transferred, put on hold, disconnected and couldn’t get anyone to listen to me. Was told my Joanne to disregard the letter and that my dispute was still being investigated. Great!
February 25, 2020, just received a letter for a dispute resolution for $78.49 from PayPal*Thompsontho. Seriously, another letter for a resolution that is not mine? What is wrong with your customer service? Why can’t you get this resolved and why do you keep aggravating me with your mismanagement and incompetent employees?
This is absolutely unacceptable and this needs to be addressed immediately! I have provided ample documentation and followed up multiple times and after two months this is still pending.… show more
On January 29, 2020, I received a letter stating they resolved my fraud claim and ruled in favor of the vendor because she was willing to work with me. These were prepaid services for massage sessions from Blessed Touch Massage that she did not provide. She didn’t show up for a session, I received no call or advance notice. I didn’t hear from here for days until I posted a negative review on Facebook. She messaged me and I explained her bizarre behavior on the previous session combined with the no show session I was no longer comfortable receiving any further services from her due to the intimate nature of the service. She agreed to refund the remainder of the money in writing!!!! How do you come up with a judgment in her favor?
I immediately contacted the number on the letter and was transferred, disconnected and put on hold for well over two hours. I finally got Esther to listen to me before transferring me again. She figured out it was misclassified and promised to forward to dispute resolution. I thought it would finally be processed correctly and I would have a resolution shortly. Nope!
I received another letter dated February 19, 2020, for a resolution for Walmart.com in the amount of $45.99. I have never used my card at Walmart.com. I immediately contacted the number on the letter and again, transferred, put on hold, disconnected and couldn’t get anyone to listen to me. Was told my Joanne to disregard the letter and that my dispute was still being investigated. Great!
February 25, 2020, just received a letter for a dispute resolution for $78.49 from PayPal*Thompsontho. Seriously, another letter for a resolution that is not mine? What is wrong with your customer service? Why can’t you get this resolved and why do you keep aggravating me with your mismanagement and incompetent employees?
This is absolutely unacceptable and this needs to be addressed immediately! I have provided ample documentation and followed up multiple times and after two months this is still pending.… show more
Feb 04, 2020
DO NOT USE THEIR CARD!!! They ruin your credit and will not help with fraudulent charges. They increase your credit limit based on "good standing" without telling you. I only found this out when I pulled my credit report for a house. RUINED my credit.
Jan 29, 2020
Verified Customer
This card is great when you purchase a lot from Macy's. You get a lot of good deals and also coupons. Though the APR is bit higher, it should not be an issue if you manage to pay in full everytime and utilize the rewards more. It saved me a lot of money on some of my high priced purchases
Dec 31, 2019
I was upgraded without my knowledge to the Macys AME card. This card offers great promotions, however when you follow the promotion you won't get the reward. When you call in to see why, the CSR's hardly speak English and never seem to know what you are talking about. Then you will just get transferred around the system until you get so annoyed and just give up. This is the absolute worst card with horrible non English speaking Customer Service Representatives. They will say any thing just to get you off the phone. You will have to call back numerous times until you will just quit out of frustration! Do not get this card. You will be sadly disappointed. Get a Macys Star Rewards card it's much better. I cancelled my AME Macys and then a year later they cancelled my star rewards card and upgraded me to the AME again. I should just shop elsewhere. Worst Worst Worst experience ever!!!… show more
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
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
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
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
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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Last updated on: January 6th, 2021 at 06:04
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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: Jan 6th, 2021 at 06:04 ET