Macy's Credit Card ReviewsReviews, rates, fees and rewards details for the Macy's Store Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rate20% discount initial rewards bonusQualify with fair creditHigh Regular APR
Info about Macy's Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR598Reviews30Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
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 $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), 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.
Not the only Macy’s card. If you have good or excellent credit, you may be able to qualify for the Macy’s American Express Credit Card. The Amex is a bit more rewarding than this Macy’s Store Card. But you can only apply for the Amex at a store location, and you only need fair... show more
Can't find what you are looking for? Submit your question about Macy's Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Macy's doesn't specify a minimum credit score to qualify for either of its credit cards. In general, if you have a score higher than 700 for the credit card and 640 for the store card, your odds of approval are high. Keep in mind that in addition to your credit score, the bank will also look at your income, debt and payment history on other credit accounts.
The Macy's Store Card can't be used anywhere. It can only be used at Macy's and macys.com. The Macy's American Express Card, on the other hand, can be used anywhere Amex is accepted, including Macy's.
You need good or excellent credit (700 or higher) to get the Macy's Amex,...
To cancel your Macy's Store card, call the customer service department at 877-493-9207 and tell the representative to cancel your account effective immediately.
Lastly, provide the representative with any requested information to confirm your identity, such as your Social Security number and date of birth.
Share your insights and review the Macy's Store Card
5
22%
4
39%
3
14%
2
6%
1
20%
3.3
598 reviews
598 reviews
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robin @robind_70
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1 Star Rating
Verified Customer
Macys Automated Pay By Phone system no longer exists in 2023, when you call to make a payment, the automated system Threatens customers by saying "if you speak to a person, it will cost you". Then it automatically puts on a person!!! Macys credit card payments Online. Not safe. MACYS is now FORCING their card holders to either incur charges when paying ther bill Macys chaged me $29 for not being able to make a payment on automated And caused my credit score to Dive.
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Sheryl Alway @310sheryl
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1 Star Rating
Macy's Citibank Credit RUINED my great credit. They have no regard for longtime loyal customers. I had an account with Macy's for YEARS. I sent them an address change numerous times and my address change and phone number also was on all my online orders. I ordered about $100. of product on-line, never got a bill, was super busy at the time, and a couple months later, when I went in to make a purchase, I found my account in "Recovery" and they said, "I made some purchases and they never heard from me again." They had my correct address AND phone number AND email. I was never contacted about a late payment. NOTHING. Now I owe triple the amount. Customers rely on getting a bill. Period. (Or a call, or an email.) ZERO CONSIDERATION FOR THE CUSTOMER.
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1
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CRAIG A COMBIN @ithacauser27
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5 Star Rating
Approved for $300 after applying online yesterday with a 722 credit score. Called in today to see if that was accurate and to possibly try for a higher credit line and was not approved for that.
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1
Tanya @sincerely_orchids
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1 Star Rating
Verified Customer
Approved for $300 after applying online yesterday with a 722 credit score. Called in today to see if that was accurate and to possibly try for a higher credit line and was not approved for that. A little disappointed, but oh well. I pay in full each statement on my other cards so I guess I'll just wait until 6 months to try again. I thought I had gotten approved for the American Express Macy's Card yesterday, but the representative told me it is not. So this is even more disappointing. I feel like I wasted my third hard pull.
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srdieu @srdieu
Wait a couple of months and then go to the furniture department and pick out a couch ask them to check if you can get approval to up your limit to get the couch. After they up it tell them that you need to think about which couch and will be back. Your set! Now forget about the couch and enjoy you credit increase.
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3
0
Noelle McCrea @noellement
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3 Star Rating
I purchased a piece of furniture on an interest free for 1-year agreement. On the third statement, interest charges started to appear. I called in to correct the charges and was able to get credited back for the charges. You have to watch your back with this card...most people probably just pay the bill and Citibank reaps the profits.
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2
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Dcal430 @Dcal430
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1 Star Rating
My card was stolen, called and reported it stolen, ask them to lock the account and issue a new card. Rep refused and told me they don't care my card was stolen, they won't be locking my account. I hung up and called again, and the same thing, told me it was too much trouble for them to lock and issue a new card . I told them to close my account immediately or I file a federal complaint, once again refused. I called a third time and again demanded my account closed or I would contact the authorities, finally it was closed.
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Leanette Tanner @nettiegurl16
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1 Star Rating
Their reps are never available! Account access online never works either :( Every time I have logged in to make a payment the option is NEVER available. I fell behind because these clowns either don't hire enough agents, or they don't bother updating anything. I CLOSED my account after 3 months because of this putrid nonsense.
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robin @robind_70
They make it impossible to make a paynent by phone, which is the safest and easiest. Now, it doesnt work. Then they ruin your credit. WHAT company does that?????? Closing my 6 year accout also.
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adunbar561 @adunbar561
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1 Star Rating
Verified Customer
BEWARE!!! When I first got the card I loved that could use it anywhere and didn’t have a problem the interest rate was high but I was managing. Fast forward to August 2021 I paid my balance off in full which was $3,000 mind you they credited my account to clear the balance BUT they would not apply it to my credit limit saying that will take TWO weeks for that to happen I never got a notice or anything stating due to the high amount it will take longer to fully clear mind you they took the money out of my account immediately and admitted during the call the funds have been received saying it is their policy for larger payments MIND YOU THEY ENDED UP CHARGING ME $47 FOR INTEREST ON A $0 BALANCE BECAUSE MY CREDIT LIMIT WASN’T UPDATED SO IT MADE IT LOOK LIKE THE PAYMENT DIDNT CLEAR IN TIME AND THEN THEY REPORTED THAT BALANCE TO THE CREDIT BEREAU THIS WHOLE THING IS SO FRAUD the moment that credit limit is updated I am closing my account!!
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vince @vincelonigro328
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1 Star Rating
Verified Customer
I purchased an $1800 item in December with 18 months no interest promotion. The website does not allow you to manage promotions to apply payments to the non-promotional charges first. I called twice to ask them to set it up that way and was told it was done. But they're too incompetent to do that simple task. As a result, I have an $8 charge that has been on my card since January, despite paying $500 in monthly payments and making no other charges. Even worse, they charged me interest on the promotional item in March and April. I called them May 17th and was promised the interest charges would be reversed. Naturally, only one of the 2 was reversed. Now I need to waste another 20 minutes on the phone with them today. This is what happens when you outsource customer service to a third world country
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Jen M @jenniferimiller
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1 Star Rating
Verified Customer
I first got this card back in 2013 and have been extremely careful with it, using it every couple of months, and paying it off when I do. I have an excellent credit score (near 800), and have no late payments on any credit card, no delinquencies, no bankruptcies – nothing. And now, TWICE, they have closed my account without any notice whatsoever (I found out from a credit alert on my credit monitoring service). They said that a credit bureau said there was a pending bankruptcy, which is NOT true. I double checked all 3 credit bureaus to make sure my identity wasn’t compromised, and there was nothing negative whatsoever on any of them. The first time, it took a phone call where I got transferred about 3 times to get it fixed, after finding it was an error on their part. When it happened AGAIN this past weekend, I called and literally, got transferred 7 (yes, SEVEN, SERIOUSLY!!!) TIMES, before they finally sent me back to the very first number I had called, without any success. So, I am DONE. With their HORRIBLE customer service and these panic-inducing circumstances, especially when I work so hard for this NOT to happen, it is SO not worth the hassle and frustration to have this card. No wonder they are losing business! They lost yet another great customer today. I will shop at ANY other store before I go into a Macy’s, again!
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