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 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

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 27.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
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:  
 10 reviews
by Chelsea Fox
Awful service

This card is horrible. The customer service is terrible. My 95-yr-old grandma had one of these. She never used it, but got a bill. We called to report the fraudulent charges (which were made in a different state). They made us file a police report and told us we had to call the credit agencies and justify it wasn’t her. No other credit card company has made me go through this many hoops for someone stealing my card. WORST PART - after doing all this, they say my grandmother is still responsible for the fraudulent charges. HORRIBLE! I’m disgusted with Macy’s. I’d give it a zero if I could. DO NOT get this card!

by Tina
Worst Customer Service and Ridiculous Credit Card Fees

I've been a long term Macy's customer and was out of town and did not receive my credit card statement before the due date. Macy's refused to waive the fee of $30 like most credit card companies do. Steer away from Macy's credit card. I would give them 0 stars.

by Nancy Wurtzel
Macy's Credit Card

Discounts are nice, but I am greatly disappointed in Macy's credit card website and payment options. First, the website is clunky & challenging, not intuitive in the least. I am signed up for auto pay, but I want to change my payment day -- so I am not paying my account on the very last day before it is due. However, it is not possible to move up the payment day (pay earlier). So, if auto pay does not work (for some reason), then there will be fees and my credit rating will be affected. Very, very frustrating.

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!!

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