WalletHubNo membership feesHigh rewards rate20% discount initial rewards bonusQualify with fair creditHigh Regular APR
Info about the Macy's Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
RewardsAPRReviewsFAQContactExcellent Credit, Good Credit, Fair Credit
$0
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.
31.99% (V)
Balance Transfers Not Allowed
by John Kiernan
September 20th, 2023
No membership fees
High rewards rate
20% discount initial rewards bonus
Qualify with fair credit
High Regular APR
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Add your Macy’s Credit Card to your wallet to access offers in-store and at macys.com.
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. In addition, WalletHub independently collected information for some of the cards on this page.
The Macy's Store Card payment addresses are:
Macy's Card
PO Box 78008
Phoenix, AZ 85062-8008
PO Box 9001094
Louisville, KY 40290-1094
PO Box 9001108
Louisville, KY 40290-1108
Macy's Overnight Delivery/Express Payments
Macy's Card and Macy's American Express Card
6716 Grade Lane
Bldg. 9, Suite 910
Louisville, KY 40213
If you lost your Macy's Store Card, you should report it immediately, either online or over the phone at (888) 257-6757.
Here's how to report your lost Macy's Store Card online:
To report your lost Macy's Store Card online, log in to your online account, select "My Account", "Credit Summary" and then "Report a Lost or Stolen Card". You will need to provide information about your card and how it was lost or stolen as well as identify potentially fraudulent transactions.
...Yes, the Macy's Store Card will do a hard pull. You will need a credit score of 640+ to get it. This means that the Macy's Store Card requires fair credit, which is on par with what most store cards require.
Keep in mind, though, that your credit score isn't the only thing the issuer takes into account while considering your application. Various other factors like your credit history, income and debts will also determine the outcome.
Here's...
The best way to check your Macy's Store Card application status is to just call them at 888-257-6757, from Monday to Sunday between 10 AM and 10 PM.
This way, you can see if they received your application and check if they have a decision for you.
You cannot qualify for a Macy's Store card pre-approval.
You can, however, get approved within minutes if you apply online or at a Macy's store.
Keep in mind, though, that applying for a credit card will most likely result in a hard inquiry on your credit, lowering your score for a short period of time.
You cannot pre-qualify for the Macy's Store Card.
They will require an actual application, which will result in a hard inquiry on your credit report. The credit score effects will be minimal though.
Macy's store card limits range 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.
You cannot get a Macy's Store card with a recent bankruptcy. You will be able to get it after your bankruptcy is discharged and you have at least fair credit.
American Express will almost always pull your Experian credit report when you apply for the Macy's Store Card.
Share your insights and review for the Macy's Store Card
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Offer last updated: Sep 20th, 2023 at 09:40 ET
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