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Macy's Credit Card
Issued by Department Stores National Bank
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Annual Fee
0
Regular APR
27.24% (V)
Open-loop card or Close-loop card
N/A
Additional Information
Balance Transfer Fee
N/A
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Late Payment Fee
$38
Returned Payment Fee
Up to $37
Cash Advance Rate
27.24% (V)
Cash Advance Fee
4% (min $5)
Foreign Transaction Fee
3%
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus
Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days.
Rewards
All members get 25% off any day of choice with Star Passes. Savings events and more.
Gold (Annual Spend more $500 or more) & Platinum members (Annual spending $1200 or more) get free standard shipping on Macy's purchases and a Birthday Offer.
Platinum members get 5% back (5 points/$1) in rewards with no exclusions on Macy’s merchandise.
Plenti members get 3 points per $1 spent at restaurants outside of Macy's, 2 points per $1 spent at gas stations and supermarkets, and 1 point per $1 spent on qualifying purchases at Macy's and everywhere else American Express is accepted. You can earn Plenti points on qualifying purchases at Macy’s until 3/15/18
Gold (Annual Spend more $500 or more) & Platinum members (Annual spending $1200 or more) get free standard shipping on Macy's purchases and a Birthday Offer.
Platinum members get 5% back (5 points/$1) in rewards with no exclusions on Macy’s merchandise.
Plenti members get 3 points per $1 spent at restaurants outside of Macy's, 2 points per $1 spent at gas stations and supermarkets, and 1 point per $1 spent on qualifying purchases at Macy's and everywhere else American Express is accepted. You can earn Plenti points on qualifying purchases at Macy’s until 3/15/18
Application Requirements
Minimum credit score
Fair
Minimum Age
N/A
How To Apply Macy's Credit Card
You can either apply for the card in-store or online. Quick access to this card? Click on the Apply Now button.
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How To Use Macy's Credit Card
Where Can You Use Macy's Credit Card?
It can be used wherever AMEX is accepted.
Pay Your Macy's Credit Card Bill On Time
The variable APR for Macy's cards is 26.24%. That's toward the high end of the credit card interest rate range.
Something About Macy's Credit Card Rewards
Preferred Level Customers ($1-$499/yr) - Get 10% rewards on eligible merchandise purchased with your card in-store at Macy's and Macys.com. A $25 enrollment fee is required. Exclusions apply.
Elite Level Customers ($500-$999/yr) - Get the same rewards plus an additional bonus rewards day per year.
Premier Elite Level Customers ($1,000+/yr) - Get the same rewards plus 2 additional bonus rewards days per year.
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