Macy’s Credit Card – Should You Apply for the Macy’s Credit Card?

Macy’s operates over 500 department stores across America, making it one of the most iconic retail chains known for fashion, home goods, and more.

Macy's Credit Card

As a frequent Macy’s shopper, have you considered applying for a credit card to unlock savings and perks? If not, it may be worth exploring.

Before jumping to apply, let’s first break down the key rewards and benefits offered to Macy’s Credit Card holders.

How Does a Macy’s Credit Card Work?

You can only use the Macy’s store credit card to make purchases at Macy’s department stores and on the Macy’s website. You cannot use this card at any other retailer. This card works best for loyal Macy’s shoppers who frequently buy at their stores.

When you open a Macy’s credit card, Macy’s will give you a revolving line of credit to use for purchases exclusively at their stores. Macy’s will determine your spending limit based on your creditworthiness.

Just like with any other credit card, you will receive a statement each month listing your balance and minimum payment due.

One advantage of the Macy’s store card is that you can take advantage of special discounts and promotions only available to cardholders. These may include extra percentage discounts on purchases during certain sales events.

However, if you want a credit card to use for everyday spending outside of Macy’s, they offer a Macy’s American Express card. With this version, you can earn rewards points on gas, groceries, dining, and more. The points can then be redeemed for discounts at Macy’s locations.

Types of Macy’s Credit Cards

Macy’s Credit Card Options

Macy’s Credit Card

  • Can only be used at Macy’s and
  • Special financing offers
  • Points and discounts for Macy’s purchases

Macy’s American Express Card

  • Can be used anywhere American Express is accepted
  • Earns additional points for purchases outside of Macy’s
    • Restaurants
    • Gas Stations
    • Supermarkets
  • Travel and entertainment benefits
  • Access to American Express offers

Macy’s Preferred Card

  • Higher credit line
  • Higher point earning rate
  • More birthday and exclusive offers

Macy’s Premier Card

  • Highest level card
  • All benefits of Preferred
  • Personal shopping assistance
  • Exclusive events and experiences

How Macy’s Star Rewards Works

All Macy’s cardholders are enrolled in their Star Rewards program automatically. It’s a tiered loyalty structure based on your annual spending:

Bronze (Non-Cardholders)

  • 1% back in rewards
  • Limited exclusive offers

Silver (Everyone with Macy’s Card)

  • 2% back in rewards
  • Extra savings days and complimentary shipping


  • 3% back on rewards
  • Added free shipping and bonus coupon offers


  • 5% rewards on all Macy’s purchases
  • Top-level discounts and appreciation gifts

The more you shop with their card, the more perks you unlock! Now let’s examine other benefits.

Key Macy’s Credit Card Benefits:

20% off discount

Get 20% off purchases (up to $100) for the first two days when you open a Macy’s Card. Subject to credit approval.

Membership Tiers

  • Bronze (free): Pay any way, free shipping at $25+
  • Silver: $1-$499 annual spend, 1 point per $1
  • Gold: $500-$1,199 annual spend, 2 points per $1
  • Platinum: $1,200+ annual spend, 3 points per $1

Additional Platinum Benefits

  • 5 points per $1 spent
  • Star Money bonus days
  • Birthday surprise
  • Member exclusives
  • Star passes
  • Free shipping with no minimum

Macy’s American Express Card Additional Benefits:

  • Bonus points for restaurants, gas, groceries
  • Travel & entertainment benefits
  • Amex offers

Additional Macy’s Credit Card Perks

Along with Star Rewards access, Macy’s cardholders also enjoy:

  • 20% off your first card purchase
  • Exclusive savings events and cardholder steals
  • Flexible payment plans and financing offers

The card also reports to all three credit bureaus to help build your score with on-time payments. However, there are still a few limitations to note.

Potential Drawbacks

While the loyalty program seems appealing, Macy’s Credit Card does still have limitations compared to general rewards cards:

  • Rewards certificates can only be redeemed at Macy’s
  • No opportunity to earn travel miles or cashback

For casual Macy’s shoppers, you may get more value from an unrestricted 2% cash-back card instead. But devotees can maximize Star Rewards.

Should You Apply for the Macy’s Credit Card?

The Macy’s Credit Card makes the most sense for frequent Macy’s shoppers who can unlock higher elite status levels in their Star Rewards program.

Big perks emerge at the Gold and Platinum tiers. More occasional Macy’s visitors may prefer card-earning flexible rewards elsewhere instead.

Macy’s Credit Card Apply

You can apply for a Macy’s credit card online at or in person at any Macy’s store location.

You’ll need to provide personal information like your name, address, date of birth, and Social Security number.

Approval is based on factors like your credit history.

Macy’s Credit Card Login

To log in to your online Macy’s credit card account, go to and click “My Account” in the top right.

Enter your username and password to access your account dashboard and manage your card.

Macy’s Credit Card Payment

You can pay your Macy’s credit card bill online, by phone, by mail, or in a store. Online payments can be made by e-check for free or debit/credit card for a fee.

Pay by phone by calling the number on your statement. Send check/money order payments to the address on your statement.

Phone Number: To speak to a Macy’s credit card customer service representative, call the toll-free number 1-866-470-8613. This number can be used for general account inquiries, making payments, reporting lost cards, and other needs.

Customer service is available 24/7. Have your account information ready when calling.


For deal-driven shoppers who routinely drop hundreds at Macy’s annually, their credit card and loyalty program offers nice savings. Yet cards earning transferrable rewards can provide better flexibility. Evaluate your shopping habits first before applying! Now, ready to join me in accessories? I could use a second opinion on these red heels…

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