Macy’s Credit Card

The Macy’s Credit Card is a store charge card for Macy’s with rates of 25% APR. It offers a few discounts; however, the discounts are somewhat restricted.

This is a store-branded card. You may be able to get better rewards and terms with a general-use reward credit card instead.

Learn more about reward credit cards

Where can I use my Macy’s Credit Card?

This card can only be used at Macy’s stores. Macy’s also offers the Macy’s American Express Card, which can be used anywhere American Express cards are accepted and has a few extra benefits.

To see how this card stacks up against the Amex version, check out our Review of the Macy’s Credit Card and the Macy’s American Express Card.

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  • Rewards

    None

  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee -
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR None
  • Late Fee Up to $38
  • Returned Payment Fee Up to $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Macy’s offers different benefits depending on how much you spend in the year.

Preferred Status – $1-$499 per year

  • Macy’s Star Pass Mailings: 3x per year
  • Surprise Savings at Register
  • Thanks For Sharing Rewards: 10% Rewards on eligible Macy’s Credit Card purchases; cost is $25 per year.

Elite Status – $500-$999 per year

  • Macy’s Star Pass Mailings: 6x per year
  • Surprise Savings at Register
  • Thanks For Sharing Rewards: 10% Rewards on eligible Macy’s Credit Card purchases, plus one bonus event; cost is $25 per year.
  • Special Birthday Offer

Premier Elite Status – $1000+ per year

  • Macy’s Star Pass Mailings: 12x per year
  • Surprise Savings at Register
  • Thanks For Sharing Rewards: 10% Rewards on eligible Macy’s Credit Card purchases, plus two bonus events; cost is $25 per year.
  • Special Birthday Offer
  • Free Shipping 4x/year
  • Priority Customer Service

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Kim
NOT WORTH IT!!!!

Don't waste your time and most of all your credit!! Citibank is full of crap.. They will charge you $2 per month interest fee & late fee $35! Until you notice it.. And then tell you, it was due to the balance was not paid in full. I haven't had a balance since Aug, and your charging me $2 per month! I don't think so!! They claim they would waive the payment, we will see! I will NEVER swipe my Macy's card again!!!

by Heather
Don't do it!

Don't do it! Even if you pay off your Macys account monthly, as soon as your account is paid in full, they will charge you a $2 fee the next month! This is standard policy. They refuse to give pay off balances on their account so they can charge you this fee, and I think they really plan on you not noticing so they can charge you a $35! fee for a late/missed payment. Not worth the risk to your credit, or the headaches.

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