Macy’s Credit Card

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.

Was this helpful?

Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.


Quick View

Quick View

  • Rewards


  • 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.

Submit your review

Create your own review

Average rating:  
 5 reviews
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!!!

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.

The Insider

Susan Shain
Can You Pay Rent With Credit Cards? Is It Smart?
Susan Shain | Jul 18, 2018

If you want to get something out of paying your rent every month besides a place to live, you may want to pay rent with credit cards. We'll teach you how.

Read More
Brendan Harkness
Review of the L.L.Bean Mastercard
Brendan Harkness | Jul 18, 2018

The L.L.Bean Mastercard is popular for its benefits and rewards at L.L.Bean, but is it worth adding to your wallet? Read our review to find out.

Read More
Susan Shain
The Surprising Truth About APR vs. Interest Rate for Credit Cards
Susan Shain | Jul 11, 2018

How do issuers calculate their APR vs. interest rate for credit cards? The answer may surprise you. Find out what's important when looking at APRs.

Read More