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 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



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


Where can I use my Macy’s Credit Card?

This card can only be used at Macy’s, Macy’s Backstage, and 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
  • 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

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 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
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.49% Variable
Intro Purchase APR -
Foreign Transaction Fee Not Applicable
Chip Technology None
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.

  • Star Passes

    Get Star Passes each year, which can be used to get 25% off at Macy’s. Silver members get 3 per year; Gold members get 6; Platinum members get 12.

  • Perks and Offers

    Cardholders will receive occasional special offers at checkout, event invitations, access to exclusive sales, and more.

  • Birthday Surprise

    Cardholders will receive a birthday gift each year, usually a Macy’s discount.

  • Star Money Days

    Star Money Days are limited-time events during which cardholders can earn points for Macy’s purchases.

  • Registry Star Rewards

    Create a Wedding or Commitment registry shopping list at Macys to get 10% back in rewards for your own purchases, and 5% back in rewards for other people’s purchases.

  • Free Shipping

    Gold and Platinum-level cardholders get free standard shipping on purchases from Macy’s and

  • 5% Back in Rewards

    Cardholders with Platinum status will earn 5% back in rewards at Macy’s when paying with their Macy’s cards.

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:  
 7 reviews
by Jeremy Baskin
Terrible experience

Worst credit card experience. Incompetent processors, ridiculous late fees. I recommend against being enticed by store discounts. Horrible waits for customer service. Would give zero stars if had the option.

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.

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