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Macy’s Credit Card

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Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 27.24% Variable

Macy’s Credit Card

Our rating
Fair Credit range
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 5% back in rewards at Macy’s (Macy’s Platinum members only)

INTRODUCTORY BONUS

20% off Macy’s purchases on the day you’re approved and the day after, up to $100 in savings

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR None
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card

Fees

Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee None
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR None
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Department Stores National Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-289-6229 or

Try a different phone number
Macy’s Credit Card

Highlights

  • Macy’s Star Pass mailings
  • Surprise savings at checkout
  • Star Money days
  • Registry Star rewards
  • Free shipping (Gold and Platinum members only)
  • 5% back in rewards at Macy’s (Platinum members only)
  • Birthday surprise
  • No annual fee

The Macy’s Credit Card is a store credit card that can only be used at Macy’s. It offers discounts and offers for cardholders, and provides more benefits the more you spend.

You can apply for this card online or by visiting a Macy’s store.

You can access your account on the Macy’s website. If you’re having trouble creating or accessing your account online, we recommend you call the phone number on the back of your card or 1-888-257-6757 for help.

To pay your bill, see this page for the bill payment mailing address and other payment options.

For more information, see our FAQ section about this card.

If you have the regular Macy’s card you may receive an offer to upgrade to the Macy's American Express® Card (Review), or you may be automatically upgraded. Click here to learn how to decline that offer.

Basic cardholders won’t earn any rewards at Macy’s, but if you raise your status to Platinum you’ll get 5% back at Macy’s.

Status Annual Spend Requirement Annual Star Passes Benefits
Silver $0–$499.99 3
  • Star Money Days
  • Perks and Offers
  • Birthday Surprise
Gold

$500–$1,199.99

6

  • Free Shipping
Platinum $1,200+ 12
  • 5% Back in Rewards at Macy’s