Macy's Credit Card

Macy's Credit Card
Issued by Department Stores National Bank
Advertiser Disclosure
Annual Fee
Regular APR
27.24% (V)
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.


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

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.

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How To Use Macy's Credit Card

Where Can You Use Macy's Credit Card?

  • It can be used wherever AMEX is accepted. 

Pay Your Macy's Credit Card Bill On Time

  • The variable APR for Macy's cards is 26.24%. That's toward the high end of the credit card interest rate range. 

Something About Macy's Credit Card Rewards

  • Preferred Level Customers ($1-$499/yr) - Get 10% rewards on eligible merchandise purchased with your card in-store at Macy's and A $25 enrollment fee is required. Exclusions apply.

  • Elite Level Customers ($500-$999/yr) - Get the same rewards plus an additional bonus rewards day per year.

  • Premier Elite Level Customers ($1,000+/yr) - Get the same rewards plus 2 additional bonus rewards days per year.

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