Macy’s Credit Card

For People with
Fair Credit



The Macy’s Credit Card is a store credit card that can only be used at Macy’s. It offers a few discounts; however, the discounts are somewhat restricted.

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.

Card Quick Facts

Card Quick Facts

  • Macy’s Star Pass Mailings
  • Surprise Savings at Register
  • Thanks For Sharing Rewards
  • No Annual Fee

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details




How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.75% (Variable)
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

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

Submit your review

Create your own review

Average rating:  
 6 reviews
by Jim Cinnater
Macy's Usury Rates and late fees

I just finally received a thick response letter back from Macy's after I complained to the OH Department of Consumer Affairs that 25.99 % APR and $38.00 per month late fees are both usury and insane especially since we've had this Macy's credit card for over 25 years and have a credit rating well over 800! They claim this is customary and legal! They turned a simple smaller $60 purchase to over $212.00 in three months and charge $2.00 per month because we have dropped Macy's and shall never shop there again! Again, 25.99% and $38.00 per month late fee and no statements provided!! Steer clear of Macy's! Do your own research to back this up and the truth shall set you free!!

by Mark

If I could give them a zero rating I would. Macy's a geat store, still will shop there, their credit card, a banking division of theirs, 25.99% interest, that is usury. They think they are on par with title loan companies. I have over a 800 credit score and 6 figure income, I do not get charged 25.99% interest even if I pay in full. On the chance I do not, the high interest is obscene. I will just use my AMEX card from now on and they will have to pay AMEX for me to use it. I have had a Macy's card for years but never looked at the terms but they just raised the interest again. Cheats and fools they are.

by Olesya
Over 10 years and still great experience

I've had the card for over 10 years. I always pay in full and never once had any $2 fees or any other fees. i often use coupons that are automatically on my card (showing up on the screen when checking out). I also linked the card with plenti and get cash back. Also I donate $5 to March of dimes in September and get extra 25% off anything (even leased departments in Macy's). I also take advantage is thanks for sharing. I have zero complaint about the card. I do have a lot about the items they sell. Most of the store is loaned and low quality items and it's getting worse (or maybe my taste becoming more demanding ???)

by Masum Ahmed
The worse credit card i ever used

Very highly not recommended. The worse card i have ever used. I pay my bill even they continuously send emails that you statement ready, pay your bill. then i have to always called customer service and inform them i already paid my bill why i am receiving this emails. they said ignore those emails. one day someone called from customer service and tell me your credit card bill is due. but i already paid my bill. they charged me late fees. I said enough is enough, lets close the card. this is the first card i ever closed. I called the customer service, i paid all the bills whatever they said with late fees even i paid those bills. I closed my credit card almost 6 months. last week i have received an email that i have a credit card bill. i said how come i have bill after closed the card, its almost 6 months. she reviewed my everything and said it was mistake. today i received another email that mentioned i have a credit card bill. so i have to called their customer service again. its really a pain. Big loss is it effecting my credit.

by Kim

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!!!

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