WalletHub Rating
3.2/5
The Macy’s Store Credit Card is a good card for people with fair credit or better who want to save on Macy’s purchases. The Macy’s Store Card has a $0 annual fee, gives new cardholders up to $100 off their first purchases, and rewards all Macy’s spending with 2-5% back. You can also get free shipping and special discounts. Info about the Macy's Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.3/5
605 reviewsRead and write reviews
Editor’s Review
3.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
2.9
Cost
3.2
Other Features
0.0
3.3/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
31.99% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days
All members get 25% off any day of choice with Star Passes. Savings events and more.
Gold (Annual Spend $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), Gold members get 3% back (3 points/$1) and Silver members get 2% (2 points/$1) in rewards with no exclusions on Macy’s merchandise.
Macy's Store Card's Additional Info
•
Add your Macy’s Credit Card to your wallet to access offers in-store and at macys.com.
show more
Learn More
at Department Stores National Bank's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
December 18th, 2023
Fact Checked by Alina Comoreanu
Senior Researcher
Macy's Store Card Pros & Cons
No membership fees
High rewards rate
20% discount initial rewards bonus
Qualify with fair credit
High Regular APR
Macy's Store Card Review
3.0 / 5
The Macy’s Store Credit Card is a good card for people with fair credit or better who want to save on Macy’s purchases. The Macy’s Store Card has a $0 annual fee, gives new cardholders up to $100 off their first purchases, and rewards all Macy’s spending with 2-5% back. You can also get free shipping and special discounts.
Macy's Store Card Review Highlights
- Not the only Macy’s card. If you have good or excellent credit, you may be able to qualify for the Macy’s American Express Credit Card. The Amex is a bit more rewarding than this Macy’s Store Card. But you can only apply for the Amex at a store location, and you only need fair credit to get the store card. You can compare the two Macy’s credit cards and check your credit score for free on WalletHub.
- Good initial bonus. Both Macy’s credit cards give you a20% discount onpurchases made either the day of account opening or the following day, up to $100 saved. That savings limit is the only thing keeping this bonus from being truly spectacular.
- Convoluted rewards. Silver status (Annual Spend up to $499) entitles you to 25% off any day of choice with Star Passes. The number of Star Passes you get each year is not fixed. Gold status (Annual spend of $500 or more) entitles you to Silver Benefits plus free standard shipping on Macy's purchases and a Birthday Offer. Finally, Platinum Status (Annual spend of $1200 or more) gives you Gold Benefits plus 5% back (5 points/$1) in rewards with no exclusions on Macy’s merchandise. The overall package is pretty good, but this Macy’s rewards card clearly has some moving parts.
- Above-average APR. The Macy’s Card charges an interest rate that’s above the average for a store card (30.44%) and well above the average among all new credit card offers (22.75%), according to WalletHub’s latest Credit Card Landscape Report. And that means you should always pay your bill in full.
Show More
Macy's Store Card Video Review
Compare The Macy's Store Card vs. Popular Alternatives
 Macy's Store Card |  First Tech Choice Rewards World Mastercard® |  Capital One Walmart Rewards® Mastercard® |
|---|---|---|
3.2WalletHub Rating WalletHub Rating 3.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.0 User Reviews 3.3 Market Comparison 3.3 fees: 5.0 rewards: 2.9 cost: 3.2 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.2 Market Comparison 3.5 fees: 5.0 rewards: 0.0 cost: 3.4 APR: 3.5 Other Features: 5.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.3 Market Comparison 4.3 fees: 5.0 rewards: 0.0 cost: 5.0 Other Features: 4.5 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer20% discount | bonus offer20,000 points | bonus offerNone |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR31.99% (V) | Regular APR13.50% - 18.00% (V) | Regular APR18.99% or 29.99% (Variable) |
Apply Now | Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Macy's Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
What's the Macy's Store Card credit score requirement?
2
Upvotes
Reply
2
Chip Lupo, Credit Card Writer
@CLoop
The Macy's Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Macy's Store Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Macy's Store Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment...
show more
How can I check the status of my Macy's Store Card payment?
27
Upvotes
Reply
27
29
WalletHub
@WalletHub
You can easily check thestatus of your Macy's Store Card paymentif you are enrolled in online account management.
For the quickest response, you can reach Macy's Card customer service at 1.800.289.6229.
1
Does The Macy's Store Card Have An Annual Fee Or Not?
21
Upvotes
Reply
21
24
WalletHub
@WalletHub
No, this card doesn't charge an annual fee.
View more answers
Does Macy's charge a fee for not using the credit card each month?
13
Upvotes
Reply
13
11
I've read a few times that people have received discounts when using their card after their initial purchase in stores. I was wondering if anyone would know if I can receive the same discounts using my Macy's credit card on line?
13
Upvotes
Reply
13
17
WalletHub
@WalletHub
You can call customer service at 1.800.289.6229 and they will give you more information.
I found my Macy's Star Rewards card today. How can I find out the balance of this card?
12
Upvotes
Reply
12
5
Can I use my Macy's Store Card anywhere?
9
Upvotes
Reply
9
4
WalletHub
@WalletHub
The Macy's Store Card can't be used anywhere. It can only be used at Macy's and macys.com. The Macy's American Express Card, on the other hand, can be used anywhere Amex is accepted, including Macy's.
You need good or excellent credit (700 or higher) to get the Macy's Amex, and at least fair credit (640 or higher) to get the Macy's Store Card.
4
How do I cancel my Macy's Store Card?
8
Upvotes
Reply
8
Derek Meadows
@dm1895
To cancel your Macy's Store card, call the customer service department at 877-493-9207 and tell the representative to cancel your account effective immediately.
Lastly, provide the representative with any requested information to confirm your identity, such as your Social Security number and date of birth.
2
View more answers
Do you have to pay your monthly balance in full with the Macy's store credit card?
7
Upvotes
Reply
7
8
Can a Macy's store card be used at any other establishment?
7
Upvotes
Reply
7
11
WalletHub
@WalletHub
No, unfortunately the Macy's Store Card can only be used at Macy's and macys.com.
People Also Apply For
First Tech Choice Rewards World Mastercard®
Capital One Walmart Rewards® Mastercard®
Mission Lane Visa® Credit Card
Capital One Platinum Credit Card
Avant Credit Card
Milestone® Mastercard®
Capital One QuicksilverOne Cash Rewards Credit Card
Surge® Platinum Mastercard®
Other Macy's Cards
Macy's Credit Card
Related Credit Card Categories
Macy's Store Card is related to the following categories:
Travel Rewards Credit CardsPoints Credit Cards
Macy's Store Card Reviews
Share your insights and review for the Macy's Store Card
5
22%
4
39%
3
14%
2
6%
1
20%
3.3
605 reviews
605 reviews
What's Your Rating?
Most Recent
cheryl_yaeger
@cheryl_yaeger
1 Star Rating
Bull**** card. First of all the only benefits end up being macy's store credit - which honestly wouldn't even be a problem if the store credit didn't expire after 30 days. So you can never accrue very much. Also they send you bonus offers in the mail saying you will receive more rewards when you use the card a certain amount within a specific time frame, but then they don't honor it.
Comment
robin
@robind_70
1 Star Rating
Macys Automated Pay By Phone system no longer exists in 2023, when you call to make a payment, the automated system Threatens customers by saying "if you speak to a person, it will cost you". Then it automatically puts on a person!!!
Macys credit card payments Online. Not safe.
MACYS is now FORCING their card holders to either incur charges when paying ther bill
Macys chaged me $29 for not being able to make a payment on automated And caused my credit score to Dive.
Comment
Sheryl Alway
@310sheryl
1 Star Rating
Macy's Citibank Credit RUINED my great credit. They have no regard for longtime loyal customers. I had an account with Macy's for YEARS. I sent them an address change numerous times and my address change and phone number also was on all my online orders. I ordered about $100. of product on-line, never got a bill, was super busy at the time, and a couple months later, when I went in to make a purchase, I found my account in "Recovery" and they said, "I made some purchases and they never heard from me again." They had my correct address AND phone number AND email. I was never contacted about a late payment. NOTHING. Now I owe triple the amount. Customers rely on getting a bill. Period. (Or a call, or an email.) ZERO CONSIDERATION FOR THE CUSTOMER.
Comment
1
CRAIG A COMBIN
@ithacauser27
5 Star Rating
Approved for $300 after applying online yesterday with a 722 credit score. Called in today to see if that was accurate and to possibly try for a higher credit line and was not approved for that.
Comment
1
Tanya
@sincerely_orchids
1 Star Rating
Approved for $300 after applying online yesterday with a 722 credit score. Called in today to see if that was accurate and to possibly try for a higher credit line and was not approved for that. A little disappointed, but oh well. I pay in full each statement on my other cards so I guess I'll just wait until 6 months to try again. I thought I had gotten approved for the American Express Macy's Card yesterday, but the representative told me it is not. So this is even more disappointing. I feel like I wasted my third hard pull.
Comment
1
srdieu
@srdieu
Wait a couple of months and then go to the furniture department and pick out a couch ask them to check if you can get approval to up your limit to get the couch. After they up it tell them that you need to think about which couch and will be back. Your set! Now forget about the couch and enjoy you credit increase.
Comment
3
Noelle McCrea
@noellement
3 Star Rating
I purchased a piece of furniture on an interest free for 1-year agreement. On the third statement, interest charges started to appear. I called in to correct the charges and was able to get credited back for the charges. You have to watch your back with this card...most people probably just pay the bill and Citibank reaps the profits.
Comment
2
Dcal430
@Dcal430
1 Star Rating
My card was stolen, called and reported it stolen, ask them to lock the account and issue a new card. Rep refused and told me they don't care my card was stolen, they won't be locking my account. I hung up and called again, and the same thing, told me it was too much trouble for them to lock and issue a new card . I told them to close my account immediately or I file a federal complaint, once again refused. I called a third time and again demanded my account closed or I would contact the authorities, finally it was closed.
Comment
1
Leanette Tanner
@nettiegurl16
1 Star Rating
Their reps are never available! Account access online never works either :(
Every time I have logged in to make a payment the option is NEVER available. I fell behind because these clowns either don't hire enough agents, or they don't bother updating anything. I CLOSED my account after 3 months because of this putrid nonsense.
Comment
1
robin
@robind_70
They make it impossible to make a paynent by phone, which is the safest and easiest. Now, it doesnt work. Then they ruin your credit. WHAT company does that?????? Closing my 6 year accout also.
Comment
adunbar561
@adunbar561
1 Star Rating
BEWARE!!! When I first got the card I loved that could use it anywhere and didn’t have a problem the interest rate was high but I was managing. Fast forward to August 2021 I paid my balance off in full which was $3,000 mind you they credited my account to clear the balance BUT they would not apply it to my credit limit saying that will take TWO weeks for that to happen I never got a notice or anything stating due to the high amount it will take longer to fully clear mind you they took the money out of my account immediately and admitted during the call the funds have been received saying it is their policy for larger payments MIND YOU THEY ENDED UP CHARGING ME $47 FOR INTEREST ON A $0 BALANCE BECAUSE MY CREDIT LIMIT WASN’T UPDATED SO IT MADE IT LOOK LIKE THE PAYMENT DIDNT CLEAR IN TIME AND THEN THEY REPORTED THAT BALANCE TO THE CREDIT BEREAU THIS WHOLE THING IS SO FRAUD the moment that credit limit is updated I am closing my account!!
Comment
4
vince
@vincelonigro328
1 Star Rating
I purchased an $1800 item in December with 18 months no interest promotion. The website does not allow you to manage promotions to apply payments to the non-promotional charges first. I called twice to ask them to set it up that way and was told it was done. But they're too incompetent to do that simple task. As a result, I have an $8 charge that has been on my card since January, despite paying $500 in monthly payments and making no other charges. Even worse, they charged me interest on the promotional item in March and April. I called them May 17th and was promised the interest charges would be reversed. Naturally, only one of the 2 was reversed. Now I need to waste another 20 minutes on the phone with them today. This is what happens when you outsource customer service to a third world country
Comment
Review Macy's Store Card
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Macy's Store Card and Macy's Credit Card
Macy's Store Card
Credit Cards
>
Department Stores National Bank
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsem*nt of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
