Macy's Credit Card

Macy's Credit Card
Issued by Department Stores National Bank
Advertiser Disclosure
Annual Fee
Regular APR
31.99% variable
Open-loop card or Close-loop card

Additional Information

Balance Transfer Fee
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Late Payment Fee
Returned Payment Fee
Up to $37
Cash Advance Rate
27.24% (V)
Cash Advance Fee
4% (min $5)
Foreign Transaction Fee
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus

Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days.


* Earning Rewards

The Macy’s Credit Card earns 5 points per dollar spent at Macy’s on your Macy’s card, must spend $1,200 or more at Macy’s annually, Gold status members can earn 3 points per dollar (required spend is between $500 and $1,199 at Macy’s annually). Silver status is the default and earns 2 points per dollar on purchases made at Macy’s annually. Cardholders who do not make a purchase within 12 consecutive months or whose account is closed will automatically forfeit all points.

The Macy’s Credit Card also includes a welcome bonus: 20% off Macy’s purchases that extends only to the first two days of shopping at Macy’s and is capped at a savings of $100.

* Redeeming Rewards

Upon earning 1,000 points, a $10 Macy’s Star Money reward is issued to the cardholder, valid only for 30 days. This Star Money reward may be used at Macy’s, Macy’s Backstage or but may not be used in conjunction with a digital wallet payment method or in a self-checkout line.

Application Requirements

Minimum credit score
Minimum Age

How To Apply Macy's Credit Card

 You can either apply for the card in-store or online. Quick access to this card? Click on the Apply Now button.

Sponsored Links

Macy's Credit Card Special Offers

1. Exclusive offers. Product offers and deals unique to cardholders. 2. Free shipping. Those who spend enough to qualify for gold or platinum status earn free shipping, with no minimum purchase amount. Does not apply to furniture, mattresses or rugs. 3. Birthday surprise. Receive a surprise each year on your birthday, but only if you’ve made a purchase in the last 12 months and meet other eligibility terms, such as not opting out of marketing mail.

How To Use Macy's Credit Card

  1. You can only use the Macy's Credit Card at Macy's
  2. You can use the Macy's Credit Card anywhere that Visa/Master is accepted
  3. Pay your balance on time.
  4. Avoid unnecessary interest and fees.
  5. If you have any question, you can contact the credit card's customer service.

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How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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