Credit Cards » Credit Card Reviews » Macy’s Credit Card Review (2024)
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Macy’s Credit Card Review (2024)

The Macy's Credit Card provides competitive rewards and advantages for people who frequently buy at Macy's as well as day to day activities
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Macy's Credit Card

macy amex card

Rewards Plan

2X – 5X spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else

Welcome Bonus

25% discount 25% discount on Macy's on the day you are approved and the following day, up to $100

Credit Rating

Fair – Good

0% Intro

N/A

Annual Fee

$0

APR

31.99% variable
Macy's Credit Card

macy amex card

Rewards Plan

2X – 5X


spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else

Welcome Bonus

25% discount 25% discount on Macy's on the day you are approved and the following day, up to $100

0% Intro

N/A

PROS

CONS

APR

31.99% variable

Annual Fee

$0

Balance Transfer Fee

N/A

Credit Requirements

Fair - Good

Macy's Credit Card is a store-branded credit card that is issued by Macy's, a popular department store chain in the United States. The card offers exclusive discounts and rewards to Macy's customers, including special discounts on purchases, free shipping, and access to exclusive events and sales.

When compared to other store cards in the same category, the Macy's Credit Card provides competitive rewards and advantages for people who frequently buy at Macy's, but it may not be as useful for those who shop at other retailers or prefer more flexible redemption choices.

  • Rewards On Many Categories
  • Higher Rewards For Loyal Customers
  • Star Passes
  • Free Shipping For Gold & Platinum
  • Cardholders Exclusive Offers
  • Co-Branded
  • High APR

In this Review

Estimating Your Rewards: A Practical Simulation

Displayed in the table below is a rewards simulation that illustrates the advantages of utilizing the Macy’s Credit Card. The table estimates the potential rewards that could be earned by utilizing the card for expenses in different categories.

macy amex card

Spend Per Category
Macy’s Credit Card
$10,000 – U.S Supermarkets
20,000
$3,000 – Restaurants
9,000
$3,000 – Airline
3,000
$3,000 – Hotels
3,000
$4,000 – Gas
4,000
Estimated Annual Points
39,000 Points

Pros and Cons

Just like any other credit card, the Macy's card has some advantages and disadvantages:

Pros
Cons
Rewards On Many Categories
Co-Branded
Higher Rewards For Loyal Customers
High APR
Star Passes
Free Shipping For Gold & Platinum
Cardholders Exclusive Offers

Macy's credit card customers earn spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else.

Macy’s Credit Card’s Reward rates vary according to your status level and spending. Here are the status levels for the Macy's Credit Card:

  • Silver: This is the default status level, which is based on spending between $1 to $500. It allows you to earn 2X points per dollar on purchases made at Macy's.
  • Gold: With a Gold status membership, you can earn 3X points per dollar. However, your spending must fall between $500 and $1199 annually at Macy's.
  • Platinum: The Platinum status level allows you to earn 5X points per dollar and requires an annual spend of $1,200 or more at Macy's with a Macy's Card.

With Star Passes cardholders are provided with an opportunity to select a specific day of their preference to earn a discount of 25% on qualifying items by presenting a Star Pass coupon and making payment using the credit card.

If you’re not a frequent Macy shopper you won’t be much benefiting from this card.

Macy's Credit Card is specifically designed to be used only at Macy's stores or online, so individuals who tend to shop more frequently at merchants other than Macy's may find the card to be less versatile compared to shopping credit cards that offer greater acceptance at a wider range of merchants.

Macy's Credit Card comes with a hefty APR of 31.24% variable, which could potentially result in substantial interest charges for users who maintain a balance on their card.

Members with Gold and Platinum status are eligible for free shipping without any minimum purchase requirement. For those with Silver status membership, free shipping is available on purchases worth $25 or more.

If you are a Macy's Credit Card cardholder you can get access to special product offers and deals that are not accessible to non-cardholders. 

These exclusive offers may involve reduced prices, complimentary items, or other exceptional promotions that are exclusively designed for cardholders.

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Is It The Right Card For You?

If you are a frequent shopper at Macy's, the Macy's Credit Card can provide significant benefits, such as exclusive offers, free shipping, and special financing options. This credit card is specifically designed for those who shop regularly at Macy's stores or online and wish to take advantage of the card's unique rewards, discounts, and other perks.

Moreover, Macy's Credit Card can be a useful tool for individuals looking to establish or improve their credit. By using the card responsibly and making regular payments, one can build a positive credit history, which may ultimately result in higher credit scores and access to other credit options.

If you are looking for a co-branded shopping card, in the table below you can see some of the alternatives:

Card
Rewards
Bonus
Annual Fee

Apple card

1% – 3% 3% cash back at Apple and select Apple pay partners, 2% on other Apple pay purchases, and 1% on all other purchases
N/A N/A
$0

target red card

1% – 5% 5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
None None
$0

Citi-costco-anywhere-visa-credit-card review

1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
None
$0 ($60 Costco membership fee required) $60 Costco membership fee required

amazon prime visa

1-5% 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
$100 $100
$0 ($139 Amazon Prime subscription required)

Capital One® Walmart Rewards® Card

1-5% 5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
5% 5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
$95

Victoria's Secret Credit Card

1% – 5% 5% (10 points) back in rewards at Victoria Secret or PINK, 2% (4 points) on dining, travel and streaming services and 1% (2 points) on all other purchases
$25 $25 off in first purchase
$0

How To Get the Most Out of Your Card?

Here are some tips that will help you to maximize the benefits of Macy's Card:

You can earn points at a rate of 2X – 5X for every dollar spent at Macy's stores or online, depending on your membership level.

You can increase the value of your purchases by exchanging these points for discounts, unique incentives, or other special benefits.

With Gold and Platinum status membership you are eligible for the free shipping and if you are someone who pays a lot for shipping charges this can be a potential reward for you.

Being attentive for special promotions that offer bonus points for specific purchases or at certain times of the year is one way to make the most of your Macy's Credit Card.

These limited-time offers can help you earn more points and get closer to redeeming them for important prizes.

You must pay your bills on time to avoid high-interest charges and establishing a positive credit history. This can ultimately lead to better access to credit options in the future.

One of the additional benefits that comes with Macy's Credit Card is a birthday surprise and exclusive offers, so make sure that the information on your account, such as your date of birth or phone number, is updated.

How To Apply?

It's easy and quick to apply for the Macy's Card:

Step 1: Visit the Macy’s Credit Card page and click “Apply Now”.

Step 2: After you click on ‘apply now', it takes you to the next page where you have to fill in your personal information, such as name, email, etc.

Macy's card Application example
(screenshot from macys.com)

Step 3: After filling out the required information and clicking on “continue,” you will be prompted to provide additional information such as your full address, your current residence status, annual income, Etc.                        

Step 4: You will get a preview page to check whether the information you filled in is correct or not. Lastly, ensure that you read through the important disclosure page to know about your eligibility, fees, costs, rates, etc. Then, click on “submit” to complete the process.

Macy's card review
(screenshot from macys.com)

FAQs

Upon instant approval of your new Macy's Card account, you'll receive a one-time 25% discount to use within the first two days, either in-store or online, for purchases made with your Macy's Card. This discount is valid for up to $100 on Macy's purchases made during those two days.

New Macy's Credit Card accounts are opened at the Silver status, which offers great benefits (see above). You can upgrade to Gold status by spending at least $500 in net purchases on your Macy's Card within a calendar year, or to Platinum status by spending at least $1,200 in net purchases on your Macy's Card within a calendar year. Your loyalty status will be upgraded 7 days after you hit the $500 or $1,200 mark.

To contact the Credit Customer Service center, call 1-888-257-6757 (TTY: 711) between 10am to 10pm ET, any day of the week. If you're calling from outside the U.S., Canada & Puerto Rico, call collect at 1-727-556-5758.

Citibank, N.A. is the issuer of both the Macy's Credit Card and the Macy's American Express Card.

If you're approved for the Macy's Card, you should receive instant notification. However, if your application requires further processing, the bank will inform you of the decision by mail and provide the reasons for their decision.

Compare Macy's Credit Card

The Target RedCard is our winner especially if you focus on groceries and dining, with much better cashback rates than Macy's Credit Card.

Target Red Card vs. Macy's Credit Card: What Store Card Offers The Highest Rewards?

The Macy's Credit Card is a clear winner with higher points rewards ratio and higher cashback value for the same spend than Nordstrom Card.

Nordstrom vs. Macy’s Credit Card: Which Store Card Gives You The Most Value?

The Macy's Credit Card is a clear winner with higher points rewards ratio and overall cashback value for the same spend than JCPenney Card.

Macy’s vs. JCPenney Credit Card: Which Gives You The Most Value?

Unlike Kohl's card, the Macy's Credit Card offers points rewards on all categories, making it more attractive for the average consumer.

Macy's Credit Card vs Kohl's Charge Card by Capital One: Which One Wins?

Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
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amex brilliant

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2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
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Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.