Learn how to apply for Macy’s Credit Card and enjoy exclusive rewards, discounts, and financing options. Follow our guide for an easy and rewarding experience.
Table of Contents
Introduction
The Macy’s Credit Card is a popular store card designed for shoppers who frequently visit Macy’s, one of the largest retail chains in the U.S. Offering a range of benefits, including exclusive discounts, rewards, and financing options, the Macy’s Credit Card is a great way to save on your purchases while enjoying special perks. Whether you’re looking to earn Macy’s Money for future shopping trips, get access to private sales events, or take advantage of 0% APR financing on larger purchases, this credit card provides various advantages for those who shop at Macy’s regularly. In this article, we’ll explore the features, benefits, and everything you need to know about the Macy’s Credit Card.
Types of Macy’s Credit Cards
Macy’s offers two types of credit cards designed to cater to different shopping needs and preferences. Each card comes with its own set of benefits, rewards, and features. Here’s an overview of the Macy’s Credit Card and Macy’s Platinum Credit Card:
Macy’s Credit Card
The Macy’s Credit Card is the standard version that provides basic benefits for Macy’s shoppers. It’s ideal for those who shop at Macy’s occasionally and want to earn rewards on their purchases.
Key Features:
- Rewards Program: Earn 1% back on all purchases and 3% back on Macy’s purchases. You also earn Macy’s Money, which can be redeemed for future purchases at Macy’s.
- No Annual Fee: There’s no annual fee for the Macy’s Credit Card.
- Special Financing: Get 0% APR financing on purchases over a certain amount for a promotional period (usually 6 to 24 months), making it easier to pay off large purchases without paying interest.
- Exclusive Discounts: Enjoy special discounts and promotions, including a welcome discount on your first purchase and other exclusive Macy’s deals throughout the year.
Macy’s Platinum Credit Card
The Macy’s Platinum Credit Card is a premium version that offers more substantial rewards and added benefits for those who shop frequently at Macy’s.
Key Features:
- Higher Rewards: Earn 5% back on Macy’s purchases and 1% back on all other purchases. As a Platinum member, you also get higher earnings on Macy’s Money.
- Exclusive Perks: In addition to the standard Macy’s Credit Card benefits, Platinum cardholders enjoy exclusive offers, early access to sales, and special customer service.
- Priority Customer Service: Get access to a dedicated customer service line for quicker assistance.
- Extended Return Policy: Platinum members benefit from an extended return policy on purchases, giving them more time to return items.
- 0% APR Financing: Just like the standard Macy’s Credit Card, the Platinum version also offers 0% APR financing for larger purchases, making it easier to pay over time.
Which One is Right for You?
- Macy’s Credit Card: If you shop at Macy’s occasionally and want to earn rewards on your purchases without paying an annual fee, this is a great option.
- Macy’s Platinum Credit Card: If you’re a frequent Macy’s shopper and want to earn more rewards, enjoy premium customer service, and get additional perks like extended return policies, the Platinum card is the better choice.
Key Benefits of Macy’s Credit Card
The Macy’s Credit Card offers several benefits that can make your shopping experience more rewarding. Whether you shop at Macy’s frequently or just occasionally, the card provides exclusive perks, rewards, and financing options. Here are the key benefits of the Macy’s Credit Card:
Macy’s Star Rewards Program
One of the main perks of the Macy’s Credit Card is the Star Rewards Program. Cardholders earn rewards in the form of Macy’s Money, which can be used for future purchases at Macy’s. The program allows you to earn:
- 1% back on purchases made outside of Macy’s.
- 3% back on purchases at Macy’s.
The more you shop, the more rewards you accumulate. The higher your spending, the greater your Star Rewards level, which unlocks additional benefits.
No Annual Fee
The Macy’s Credit Card comes with no annual fee, making it an affordable choice for frequent shoppers. You can enjoy the rewards and perks without worrying about paying an annual fee.
Exclusive Discounts and Promotions
Cardholders get access to special discounts throughout the year. These include:
- Welcome Discounts: A special discount on your first purchase after being approved for the card.
- Birthday Discounts: Macy’s often offers birthday discounts for cardholders, so you can enjoy savings during your special month.
- Private Sales Events: Macy’s offers exclusive shopping events for cardholders, where you can shop before the general public and access special deals.
Special Financing Options
The Macy’s Credit Card offers special financing for larger purchases. Depending on the purchase amount, you can enjoy 0% APR financing for up to 6, 12, or 24 months, making it easier to pay off big-ticket items over time without interest.
Access to Macy’s Sales Events
Macy’s Credit Card holders get access to exclusive events such as private sales and early bird discounts. These events allow you to get the best deals on new merchandise before it’s available to the general public.
Rewarding Shopping Experience
- Macy’s Money: You can earn Macy’s Money by making purchases at Macy’s, which can be redeemed for future purchases.
- Bonus Offers: You may receive occasional bonus rewards offers on specific categories, such as clothing or home goods, allowing you to earn more on certain purchases.
Easy Online and In-Store Use
The Macy’s Credit Card is accepted both at Macy’s stores and Macy’s.com, as well as Macy’s Backstage, Macy’s discount stores. Whether you’re shopping online or in person, you can easily use your card for a seamless shopping experience.
Extended Return Policy
Macy’s Credit Cardholders benefit from an extended return policy on purchases, giving you more time to return items compared to regular customers. This is especially useful for holiday shopping or when buying larger items.
Zero Fraud Liability
The Macy’s Credit Card comes with zero fraud liability, meaning you won’t be held responsible for unauthorized charges made to your account if your card is lost or stolen.
Earn Rewards on Every Purchase
- Everyday Purchases: While Macy’s purchases earn you 3% back, all other purchases made with the card still earn 1% back, allowing you to accumulate rewards even when shopping outside of Macy’s.
How to Apply for Macy’s Credit Card
Applying for a Macy’s Credit Card is a straightforward process, and it can be done online or in-store. Here’s a step-by-step guide to help you through the application process:
Check Your Eligibility
Before applying, make sure you meet the following requirements:
- Age: You must be at least 18 years old.
- U.S. Resident: You need to be a U.S. resident with a valid address.
- Credit Score: While the Macy’s Credit Card is generally accessible to people with a fair to good credit score, it’s helpful to have a credit score of 620 or higher for better chances of approval.
Online Application
The most common and convenient way to apply for the Macy’s Credit Card is online. Follow these steps:
- Visit the Macy’s Website: Go to the official Macy’s website and navigate to the credit card section.
- Select “Apply Now”: On the credit card page, click the “Apply Now” button to start the application process.
- Fill Out the Application: You will be asked to provide personal information, including:
- Full name
- Date of birth
- Social Security number
- Income details
- Contact information (address, phone number, and email)
- Agree to Terms: Review the terms and conditions of the Macy’s Credit Card, including the interest rates and fees.
- Submit the Application: After reviewing your application, submit it for approval.
In-Store Application
You can also apply for the Macy’s Credit Card in-store. Simply visit any Macy’s store and ask a sales associate for an application form. They will guide you through the process and help you submit your details for approval.
Wait for Approval
Once you’ve submitted your application, Macy’s will review your information and determine if you’re approved for the card. You should receive a response fairly quickly. If approved, you’ll be notified of your credit limit and interest rates, and you’ll receive your physical card in the mail within 7-10 business days.
Activate Your Card
Once you receive your card, you’ll need to activate it before using it for purchases. This can be done online through your Macy’s account, or by calling the number provided with your new card.
Start Shopping and Earning Rewards
After activation, you can start using your Macy’s Credit Card to shop at Macy’s stores, online, or at Macy’s Backstage, earning rewards with every purchase. Don’t forget to take advantage of special promotions and discounts offered exclusively to cardholders.
Maintain Your Account
To make the most of your Macy’s Credit Card:
- Pay your balance on time to avoid late fees and interest charges.
- Monitor your account using Macy’s online portal or the mobile app.
- Use the Macy’s Star Rewards program to earn Macy’s Money and other rewards.
Macy’s Credit Card Fees and APR
Here’s a quick reference table summarizing the fees and APR associated with the Macy’s Credit Card:
| Fee Type | Details |
|---|---|
| Purchase APR | 25.49% variable (based on creditworthiness) |
| Cash Advance APR | 29.99% |
| Penalty APR | Up to 29.99% if a payment is late |
| Late Payment Fee | Up to $40 |
| Returned Payment Fee | Up to $40 |
| Foreign Transaction Fee | 3% on purchases made outside the U.S. or in foreign currencies |
| Cash Advance Fee | 5% of the amount advanced or $10, whichever is greater |
| Over-the-Limit Fee | No fee (unless you exceed your credit limit) |
| Minimum Interest Charge | $2 |
| Special Financing Fee | 0% APR for qualifying purchases (for a limited time) – terms apply |
| Balance Transfer Fee | 5% of the transferred amount or $5, whichever is greater |
Managing Your Macy’s Credit Card
Effectively managing your Macy’s Credit Card helps you avoid unnecessary fees, maximize rewards, and maintain a healthy credit score. Here are some essential tips and practices to help you manage your Macy’s Credit Card responsibly:
Pay Your Balance on Time
One of the most important steps in managing your Macy’s Credit Card is to pay your balance on time. This will:
- Avoid late payment fees: You can be charged up to $40 for missing a payment.
- Prevent interest charges: Paying your balance in full by the due date helps you avoid the high purchase APR (25.49% variable).
- Protect your credit score: Timely payments positively impact your credit score.
Make More Than the Minimum Payment
While the minimum payment ensures you don’t miss a payment, it often won’t pay down your balance quickly. By making larger payments or paying off your balance in full, you’ll reduce interest charges and pay off debt faster.
Monitor Your Spending
Regularly tracking your spending is crucial to avoid exceeding your credit limit and incurring over-limit fees. You can monitor your Macy’s Credit Card activity via:
- Online account: Log in to your Macy’s account online to view transactions and manage payments.
- Mobile app: Use the Macy’s app to keep track of purchases, view statements, and make payments easily.
- Monthly statements: Review your monthly billing statements for errors, unauthorized transactions, or discrepancies.
Take Advantage of Macy’s Star Rewards Program
Macy’s Credit Card offers an exclusive Star Rewards program where you can earn rewards on your purchases. To get the most out of this program:
- Use your card for Macy’s purchases: Earn 3% back on purchases at Macy’s and 1% back on non-Macy’s purchases.
- Redeem Macy’s Money: Use your accumulated Macy’s Money for discounts on future purchases.
Set Up Payment Reminders
To ensure you never miss a payment, set up automatic payments or reminders. Macy’s allows you to schedule automatic payments through your online account, so you don’t need to worry about forgetting a due date.
Avoid Unnecessary Fees
Keep an eye on common fees, such as:
- Late payment fees: Make sure you pay your balance on time.
- Cash advance fees: Avoid withdrawing cash with your Macy’s Credit Card, as this can incur high fees and interest rates.
- Foreign transaction fees: If you’re traveling abroad, consider using a credit card without foreign transaction fees.
Review Special Financing Options
Macy’s Credit Card offers special financing for large purchases, which can help you manage expensive items. If you qualify for 0% APR financing, be sure to:
- Pay off the balance before the promotional period ends to avoid retroactive interest charges.
- Be aware of the minimum payments required during the financing period.
Know Your Credit Limit
It’s important to be aware of your credit limit to avoid over-limit fees and to maintain a healthy credit utilization ratio (the percentage of your credit limit you’re using). If you consistently use a large portion of your credit limit, it can negatively affect your credit score.
Dispute Errors or Unauthorized Charges
If you notice any errors on your statement or suspect fraud, contact Macy’s customer service immediately to dispute the charges. Macy’s offers zero fraud liability, meaning you won’t be responsible for unauthorized transactions if your card is lost or stolen.
Review Your APR and Fees
Regularly review the APR (interest rate) and fees associated with your Macy’s Credit Card. If your financial situation changes or your credit improves, consider requesting a lower APR or looking for ways to avoid high-interest charges.
Tips for Maximizing Macy’s Credit Card Rewards
To get the most value from your Macy’s Credit Card, you should focus on maximizing the rewards you earn. Whether you’re shopping at Macy’s or using your card for other purchases, here are some helpful tips to ensure you’re making the most out of your Macy’s Star Rewards program and earning as much as possible:
Shop During Special Promotions
Macy’s frequently runs promotions where cardholders can earn extra rewards or discounts. Keep an eye on:
- Seasonal sales: Take advantage of major shopping events like Black Friday, Christmas sales, and End-of-Season Sales where cardholders can often earn additional rewards points.
- Exclusive offers: Macy’s sends special offers to credit card holders, such as bonus points for spending a certain amount. Make sure you check your Macy’s account or email for these limited-time deals.
Use Your Macy’s Credit Card for All Macy’s Purchases
To get the highest rewards, make sure you use your Macy’s Credit Card for all purchases made at Macy’s stores or online. By doing so, you can earn:
- 3% back on your purchases at Macy’s, which is significantly higher than other types of spending.
Maximize Your Rewards on Macy’s Money
As a Macy’s cardholder, you can accumulate Macy’s Money through the rewards program. This money can be redeemed for discounts on future purchases at Macy’s. To maximize Macy’s Money:
- Save it up: Let your Macy’s Money accumulate and use it for bigger purchases, like a seasonal wardrobe refresh or major sale items.
- Stack discounts: Use your Macy’s Money along with other Macy’s discounts or promotions for extra savings.
Use Your Card for Non-Macy’s Purchases
While you get the best rewards at Macy’s, you still earn rewards for non-Macy’s purchases:
- 1% back on purchases made outside of Macy’s is still a great way to earn rewards on your everyday expenses like groceries, dining, or gas.
Take Advantage of Special Financing Offers
Macy’s offers special financing options for large purchases, such as 0% APR for a set period. When you make large purchases:
- Buy in bulk or on big-ticket items like appliances or furniture, especially during sales events, and use the financing option to manage payments while earning rewards.
Pay Your Balance in Full
To avoid paying interest, always try to pay your balance in full each month. This will help you:
- Keep your rewards intact, as interest charges can reduce your overall savings.
- Improve your credit score and allow you to qualify for better offers or credit limits in the future.
Combine with Macy’s Star Pass
If you’re a frequent Macy’s shopper, consider using your Star Pass to access additional rewards and perks, such as:
- Extra Star Rewards points: Some special promotions and events offer extra points or exclusive savings for cardholders.
- Bonus rewards for higher-tier cardholders: Macy’s offers enhanced rewards for those who have higher-tier membership in the Star Rewards program.
Avoid Fees to Keep More Rewards
In order to maximize your rewards, you’ll want to avoid fees that can eat into your savings:
- Late payment fees: Missing a payment can result in fees, so always pay on time.
- Cash advance fees: Avoid using your Macy’s Credit Card for cash advances as they come with high fees and interest rates that can negate any rewards you earn.
Keep Track of Expiration Dates
Macy’s Money and rewards points can expire if they’re not redeemed within a specific timeframe. Stay informed about the expiration dates of any rewards you’ve earned and plan to use them before they expire.
Drawbacks and Things to Watch Out For with Macy’s Credit Card
While the Macy’s Credit Card offers several benefits, including rewards and financing options, there are some drawbacks and potential pitfalls to consider before applying for or using the card. Here are some things to watch out for:
High Interest Rates
- The purchase APR for the Macy’s Credit Card is 25.49% variable, which is relatively high compared to other credit cards. If you don’t pay off your balance in full each month, interest charges can accumulate quickly, making purchases more expensive over time.
Limited Use Outside Macy’s
- The best rewards (3% back) are only earned when shopping at Macy’s, either in-store or online. You’ll earn just 1% back on purchases made outside of Macy’s, which is not as competitive compared to other rewards cards that offer higher cashback or points for general spending.
Fees Can Add Up
- Late payment fees: If you miss a payment, you can be charged up to $40. This can be costly if you’re carrying a balance or forget a due date.
- Cash advance fees: If you use your Macy’s Credit Card for cash advances, you’ll face a cash advance fee of 5% of the amount advanced, plus a high cash advance APR of 29.99%. This can make borrowing money through your credit card very expensive.
- Foreign transaction fees: Macy’s Credit Card charges a 3% foreign transaction fee on purchases made abroad or in foreign currencies, which can add up if you travel frequently.
Risk of Debt Accumulation
- If you don’t manage your payments and balances carefully, it’s easy to accumulate debt due to the high APR. The interest charges on purchases, especially when carrying a balance, can negate the benefits of any rewards or special promotions.
Limited Rewards Redemption Options
- Macy’s Money earned through the rewards program can only be redeemed at Macy’s, which limits its flexibility compared to other reward programs that offer more redemption options, such as travel, merchandise, or statement credits.
- Additionally, Macy’s Money often has expiration dates, so you’ll need to keep track of when to use it or risk losing the rewards.
Special Financing Can Be Complicated
- While Macy’s offers special financing for large purchases (e.g., 0% APR for a limited period), it’s essential to pay off the balance before the promotional period ends. If the balance isn’t paid in full by the end of the financing period, interest will be charged retroactively on the entire balance, which can be a significant financial burden.
Credit Score Requirements
- The Macy’s Credit Card is generally accessible to people with fair to good credit, but if your credit score is low or you have a limited credit history, you might face higher APRs or be denied for the card altogether.
Potential for Over-Spending
- Because Macy’s Credit Card is designed for shopping at Macy’s, it may encourage more frequent shopping at the store to earn rewards. This can lead to unnecessary spending, particularly during promotions or special offers. It’s important to resist overspending just for the sake of earning rewards.
Credit Utilization
- Using your Macy’s Credit Card for large purchases can lead to high credit utilization if you don’t pay it off in full. High credit utilization can negatively affect your credit score, so it’s important to manage your credit responsibly.
Alternatives to Macy’s Credit Card
If you’re considering a credit card but want alternatives to the Macy’s Credit Card, there are several options to explore. Depending on your spending habits, financial goals, and preferred rewards, here are some alternatives that offer competitive benefits:
Chase Freedom Unlimited®
- Best for: Earning cashback on everyday purchases
- Key Benefits:
- 1.5% cash back on every purchase.
- 5% cash back on travel purchased through Chase Ultimate Rewards.
- 0% intro APR on purchases for the first 15 months, then a variable APR of 20.49%–29.24%.
- No annual fee.
- Why Consider It: If you’re looking for a flexible cashback rewards program with a solid introductory APR offer, the Chase Freedom Unlimited® card is a great option. You’ll earn cashback on all purchases, unlike the Macy’s card, which limits rewards to Macy’s purchases.
Target REDcard™ Credit Card
- Best for: Frequent Target shoppers
- Key Benefits:
- 5% off every purchase at Target and Target.com.
- Free shipping on most items at Target.com.
- No annual fee.
- Extended returns on Target purchases.
- Why Consider It: If you’re a regular shopper at Target, this card offers an excellent way to save, with 5% off at Target. While you can’t earn rewards at other retailers, it’s a great way to save on your Target shopping.
Amazon Prime Rewards Visa Signature Card
- Best for: Amazon shoppers
- Key Benefits:
- 5% back on Amazon.com and Whole Foods Market purchases with a Prime membership.
- 2% back at restaurants, gas stations, and drugstores.
- 1% back on all other purchases.
- No annual fee with Amazon Prime membership.
- No foreign transaction fees.
- Why Consider It: For Amazon Prime members, this card provides excellent cashback rewards on Amazon and other everyday purchases, making it a good alternative if you’re looking for broader rewards, especially if you frequently shop online.
Wells Fargo Propel American Express® Card
- Best for: Earning rewards on a variety of categories
- Key Benefits:
- 3 points per $1 on eating out, travel, gas stations, and streaming services.
- 1 point per $1 on other purchases.
- 0% APR for the first 12 months on purchases and balance transfers, then a variable APR of 18.99%–26.99%.
- No annual fee.
- Why Consider It: If you’re looking for a versatile rewards card that covers multiple categories, the Wells Fargo Propel American Express® Card is an excellent option. The rewards rate is strong for dining, travel, and gas, which may be more beneficial if you want to earn rewards across multiple spending areas.
Citi® Double Cash Card
- Best for: Earning straightforward cashback
- Key Benefits:
- 2% cashback on every purchase: 1% when you buy, and an additional 1% when you pay for your purchases.
- 0% APR on balance transfers for the first 18 months (then a variable APR of 18.24%–28.24%).
- No annual fee.
- Why Consider It: The Citi® Double Cash Card offers simple, no-fuss cashback on all purchases with a competitive rewards rate. If you want a card that doesn’t limit you to one retailer like Macy’s and provides solid cashback across all categories, this card is ideal.
Discover it® Cash Back
- Best for: Earning rotating category cashback
- Key Benefits:
- 5% cashback in rotating categories each quarter (up to the quarterly maximum, then 1% after that).
- 1% cashback on all other purchases.
- Match all the cashback you earn in your first year automatically.
- No annual fee.
- Why Consider It: The Discover it® Cash Back card allows you to earn 5% cashback in rotating categories, which could include dining, shopping, or even gas. If you enjoy optimizing cashback through rotating categories, this card can be a great option.
Capital One® Quicksilver® Cash Rewards Credit Card
- Best for: Unlimited cashback with no rotating categories
- Key Benefits:
- 1.5% cashback on every purchase, with no rotating categories or spending limits.
- 0% APR on purchases for the first 15 months, then a variable APR of 19.74%–29.74%.
- No annual fee.
- Why Consider It: If you prefer a simple, no-annual-fee card with a straightforward rewards structure, the Capital One® Quicksilver® Cash Rewards Credit Card is an excellent choice. It offers unlimited 1.5% cashback on all purchases with no complicated categories to track.
Sam’s Club® Mastercard®
- Best for: Wholesale shoppers
- Key Benefits:
- 5% cashback on gas (on the first $6,000 per year, then 1% after).
- 3% cashback on dining and travel.
- 1% cashback on other purchases.
- No annual fee for Sam’s Club members.
- Why Consider It: If you’re a Sam’s Club member, this card can be a great option. You’ll earn high cashback rates on gas and dining, plus additional rewards for purchases at Sam’s Club and beyond.
Conclusion
The Macy’s Credit Card can be a valuable tool for frequent shoppers at Macy’s, offering rewarding discounts and perks such as Macy’s Money and special financing options. For those who love to shop at Macy’s, the ability to earn 3% back on purchases in-store or online can be an enticing incentive, especially with exclusive access to sales and promotions. However, it’s important to weigh these benefits against the high interest rates, fees, and limited rewards outside of Macy’s.
If you’re a regular Macy’s shopper and can pay off your balance in full each month, this card could provide great value through rewards and special offers. However, if you tend to carry a balance or shop at a variety of retailers, you may find more flexibility and better rewards with other credit cards on the market. Understanding your spending habits and financial goals will help you decide whether the Macy’s Credit Card is the right fit for you. Always be mindful of managing your credit responsibly to fully benefit from the rewards without accumulating excessive debt.
Revolut Credit Card
FAQs About Macy’s Credit Card
What is the Macy’s Credit Card?
The Macy’s Credit Card is a store credit card that offers rewards, exclusive discounts, and special financing for purchases made at Macy’s. Cardholders can earn 3% back on Macy’s purchases and 1% back on other purchases, along with access to Macy’s Money rewards.
How do I apply for the Macy’s Credit Card?
You can apply for the Macy’s Credit Card online through the Macy’s website or in-store. The application process requires basic personal information, including your income, and may involve a credit check.
What is the APR for Macy’s Credit Card?
The purchase APR for the Macy’s Credit Card is 25.49% variable. For special financing, the interest rate is 0% for certain purchases if paid off within a specified period (usually 6 or 12 months).
Can I use Macy’s Credit Card outside of Macy’s?
While the Macy’s Credit Card is primarily designed for use at Macy’s stores and online, it can be used anywhere that accepts Visa. However, you will only earn the full rewards (3% back) when shopping at Macy’s.
Are there any annual fees for Macy’s Credit Card?
No, the Macy’s Credit Card does not charge an annual fee, making it a cost-effective option for those who shop frequently at Macy’s.
What rewards can I earn with the Macy’s Credit Card?
3% back on Macy’s purchases (in-store and online).
1% back on purchases made outside of Macy’s.
Macy’s Money: Earn rewards that can be redeemed at Macy’s.
How do I redeem Macy’s Money rewards?
Macy’s Money can be redeemed for purchases at Macy’s, both in-store and online. You’ll receive Macy’s Money in the form of coupons, typically earned during promotional periods or when making qualifying purchases.
How does the special financing work on Macy’s Credit Card?
Macy’s offers special financing options for purchases over a certain amount. For example, you may receive 0% APR for 6 or 12 months on qualifying purchases if you pay off the balance before the promotional period ends. If the balance isn’t paid off in full by the end of the term, interest will be charged retroactively.
What happens if I miss a payment on my Macy’s Credit Card?
If you miss a payment, you may incur a late payment fee of up to $40 and your APR may increase. It’s essential to pay your bill on time to avoid penalties and negative impacts on your credit score.
Can I get a Macy’s Credit Card if I have bad credit?
Macy’s Credit Card is typically available to those with fair to good credit. If you have a lower credit score, you may be denied or offered a higher APR. It’s always a good idea to check your credit score before applying.
Is Macy’s Credit Card a good option for me?
The Macy’s Credit Card can be a great option if you frequently shop at Macy’s and can take advantage of the rewards and special financing offers. However, if you don’t shop at Macy’s often or tend to carry a balance, you may find better rewards and lower interest rates with other credit cards.
How do I check my Macy’s Credit Card balance?
You can check your Macy’s Credit Card balance online by logging into your Macy’s account or through the Macy’s mobile app. You can also call the customer service number on the back of your card for account details.
Can I pay my Macy’s Credit Card bill online?
Yes, you can pay your Macy’s Credit Card bill online through the Macy’s website or mobile app. Simply log in to your account, select the payment option, and follow the instructions.
Does Macy’s offer any introductory offers for new cardholders?
Yes, Macy’s often offers introductory 0% APR for purchases made within a certain time period (usually 6-12 months) when you open a new Macy’s Credit Card account. Be sure to check the terms and conditions for specific offers at the time of application.
Can I use my Macy’s Credit Card for purchases on the Macy’s app?
Yes, you can use your Macy’s Credit Card for purchases on the Macy’s mobile app as well as online through their website. You will earn 3% back on eligible purchases.
Does Macy’s Credit Card offer any exclusive discounts or promotions?
Yes, cardholders are often eligible for exclusive sales, discounts, and special offers at Macy’s, including extra savings during Macy’s holiday events and annual promotions like Black Friday.
What happens if I don’t pay my Macy’s Credit Card bill in full?
If you don’t pay your Macy’s Credit Card bill in full, you will incur interest charges on the remaining balance. The interest rate can be as high as 25.49%, so it’s important to pay off your balance on time to avoid extra costs.
How can I earn Macy’s Money rewards?
You can earn Macy’s Money by shopping at Macy’s during promotional periods or by spending a certain amount at Macy’s. For example, you might earn Macy’s Money for every $50 or $100 spent. These rewards can then be redeemed for future purchases.
Can I transfer my Macy’s Credit Card balance to another card?
Macy’s does not directly offer a balance transfer feature for the Macy’s Credit Card. However, if you’re looking to transfer a balance to a card with a lower interest rate, you might want to consider other credit cards that offer balance transfer options.
Is there a minimum credit limit for the Macy’s Credit Card?
The minimum credit limit for the Macy’s Credit Card varies based on your creditworthiness. For those with better credit scores, the credit limit will generally be higher, while those with lower scores may receive a lower limit.
How do I cancel my Macy’s Credit Card?
To cancel your Macy’s Credit Card, you can contact Macy’s customer service at the number on the back of your card. They can guide you through the cancellation process. Make sure you pay off any outstanding balances before closing the account.
Does Macy’s Credit Card have foreign transaction fees?
The Macy’s Credit Card does not charge foreign transaction fees, making it a good option for international travelers who plan to shop at Macy’s or use the card in other countries.
What is the grace period for Macy’s Credit Card?
The Macy’s Credit Card typically has a 25-day grace period for new purchases. If you pay your balance in full within this period, you won’t incur any interest charges on new purchases. However, if you carry a balance, interest will be charged on the remaining balance.
How do I increase my credit limit with Macy’s Credit Card?
To request a credit limit increase for your Macy’s Credit Card, you can contact Macy’s customer service. They may require you to have a certain amount of credit usage and payment history to be eligible for an increase.
