Whether you’re a Macy’s regular or just love a good department store deal, the Macy’s Credit Card could be your new favorite shopping companion. With exclusive cardholder discounts, tier-based rewards, and no annual fee, it’s designed to enhance your Macy’s experience both online and in-store.
But is it the right fit for your wallet? In this guide, we’ll break down everything from the key benefits to how to apply, helping you make an informed choice.
Exclusive Perks and Benefits for Macy’s Shoppers
A Tiered Rewards System That Grows With You
Macy’s Star Rewards program is where the card truly shines. The more you spend, the more benefits you unlock. There are three main tiers:
- Silver (up to $499/year): Earn 2% back in Star Money on purchases.
- Gold ($500–$1,199/year): Earn 3% back, plus free shipping with no minimum.
- Platinum ($1,200+/year): Earn 5% back in Star Money and get all lower-tier perks.
Star Money works much like store credit and can be redeemed just like cash on most Macy’s purchases – from fashion and fragrance to home decor and electronics. It’s a flexible, easy-to-use perk that helps you get more from every shopping trip.
Bonus Savings and Cardholder-Only Offers
New cardholders often receive 20% off their first purchases (up to $100 in savings over two days). But the perks don’t stop there. Throughout the year, Macy’s sends out exclusive Star Passes—personalized coupons for additional savings—as well as bonus events where cardholders can earn Star Money faster than usual.
Plus, you’ll gain early access to special events and seasonal sales, giving you the opportunity to shop ahead of the crowd and secure the best deals before they disappear from the shelves.
Birthday Surprise
Cardholders also receive a special birthday offer, typically in the form of Star Money or extra savings on a purchase made during your birthday month. It’s a simple, thoughtful way Macy’s gives back to its loyal customers.
American Express Card Bonus Categories
If you’re approved for the Macy’s American Express Card, you get extra earning power beyond Macy’s stores:
- 3% back at restaurants, including delivery services
- 2% back at gas stations and supermarkets
- 1% back on all other purchases
This version of the card turns your everyday spending into Macy’s rewards, making it more versatile than a typical store card.
What You Should Know Before You Apply
Two Cards, Two Experiences
When applying for a Macy’s Credit Card, you’re technically applying for both the store version and the American Express version. Citi will determine which version you qualify for based on your creditworthiness.
The store card is great for loyal Macy’s shoppers who want access to Star Rewards perks and discounts, while the Amex version is more comprehensive, providing value for purchases beyond the Macy’s ecosystem.
Not the Best for Balance Carriers
If you typically carry a balance month to month, this may not be the best fit. With an APR currently sitting at 33.49%, the interest can outweigh any potential savings or rewards. This card is best used for people who pay in full each month and take advantage of short-term promotions and discounts.
Who This Card Is Best For
This card is tailor-made for:
- Frequent Macy’s shoppers
- Holiday or seasonal shoppers
- Fans of department store deals
- Credit builders who want a no-annual-fee card
If you fall into any of these categories, the Macy’s Credit Card can be a useful tool for maximizing your purchases and enjoying members-only perks.
Credit Score and Approval Odds
To increase your chances of approval, you’ll generally need a credit score of at least 670, especially for the Amex version. Those with a thinner credit file or some blemishes may still qualify for the store card.
Understanding the Fees and APR
Zero Annual Fee
Neither the store card nor the Amex version charges an annual fee, so you can enjoy the benefits without paying just to hold the card.
High Interest Rate
The card’s 33.49% variable APR is notably higher than average, so carrying a balance can be costly. Paying in full each month is strongly recommended.
Foreign Transaction Charges
The Amex version comes with a 3% foreign transaction fee, making it less ideal for international use.
How to Apply for the Macy’s Credit Card
Applying is quick and straightforward. Follow these steps:
Step 1: Visit the Application Page
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Go the card page:
Click on the “Apply Now” button:
Step 2: Fill Out the Application
You’ll be asked to enter:
- Your full name
- Date of birth
- Social Security number
- Email and phone number
- Annual income and housing situation
Step 3: Review the Terms
Read through the terms and conditions carefully before submitting. Check the box to agree.
Step 4: Submit and Wait
Many applicants receive an instant decision, though some may need to wait for manual review.
Step 5: Manage Your Account via App
Once approved, download the Macy’s App to manage payments, view your rewards balance, receive offers, and get notified of exclusive cardholder events. You can also opt into autopay and account alerts.
Need Help? Here’s How to Contact Macy’s Card Services
For any account issues, billing questions, or assistance, reach out to Citibank—the official issuer of Macy’s credit cards:
- Customer Service: 1-888-257-6757
- TTY (hearing impaired): 1-800-231-5469
- Website: City Credit Cards
- Mobile App: Macy’s app available for Android and iOS
Frequently Asked Questions (FAQs)
1. Can I use my Macy’s Card anywhere?
Only the American Express version can be used outside Macy’s. The store card works exclusively at Macy’s and on macys.com.
2. Is there a fee to keep the card?
Nope. Both cards have zero annual fees, so there’s no cost to keep them open.
3. How does the Star Rewards program work?
You earn Star Money on purchases, which can be used like cash at Macy’s. Reward percentages increase with your annual spend.
4. What happens if I return a purchase?
Returns generally reverse your earned Star Money. If you already redeemed the reward, it may be deducted from your refund.
5. Can I upgrade from the store card to the Amex version?
Yes, in some cases. If you build a strong history with the store card, you may be offered an upgrade to the Macy’s Amex.
If you’re someone who shops at Macy’s often and loves getting rewarded for loyalty, this card could make every trip more rewarding. Between exclusive discounts, surprise perks, and a straightforward rewards system, there’s a lot to like—especially if you’re paying off your balance each month.
If you’re curious whether this card fits your shopping habits, take a closer look at the details and see how much value it can add to your Macy’s experience.
