Macy's Credit Card ReviewsReviews, rates, fees and rewards details for the Macy's Store Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rate20% discount initial rewards bonusQualify with fair creditHigh Regular APR
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 "Earn Rewards (Store Cards)." 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.
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
612 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.
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.
Good initial bonus. Both Macy’s credit cards give you a 20% discount on purchases 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 (30.16%) and well above the average among all new credit card offers (22.89%), according to WalletHub’s latest Credit Card Landscape Report. And that means you should always pay your bill in full.
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Macy's Store Card Video Review
Compare The Macy's Store Card vs. Popular Alternatives
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 "Earn Rewards (Store Cards)." 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
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 "Improve Credit by Paying in Full Each Month." 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
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 "Improve Credit by Paying in Full Each Month." 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.
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 offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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 status and housing status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it's best to wait to apply until you meet the Macy's Store Card credit score requirement. You can check your credit score for free on 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.
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.
Share your insights and review for the Macy's Store Card
5
22%
4
39%
3
14%
2
6%
1
20%
3.3
612 reviews
612 reviews
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Ro' Thompson @sh33kluv
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2 Star Rating
As a loyal customer of 10 years, I've always paid my statements on time and, in many cases, in full. Recently, I failed to make a payment, assuming I had added them to my automated payment plan. I did receive a phone call from Macy's twice, but there was never anyone on the other end when I answered. I never received an email or text message, which led me to believe that the call was a scammer. I went online and discovered that I was actually 2 months behind in payments. I paid the delinquent debt in full. Unfortunately, Macy's had reduced my credit limit from $4,000 to $1,800, which caused my credit score to drop by 43 points. I called to complain, but the only response was that I could apply for a credit limit increase and they'd attempt to have my score corrected. Last week, I received two letters from Macy's. The first was denying my increase and the other was that they were unable to rectify my credit score. I closed both my Macy's and AMEX accounts and will never shop with them again. If this is how they treat their most loyal customers, I can't imagine how everyone else is treated.
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0
0
Ltr Ltr @ltr1974
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1 Star Rating
I've had my Macy's card for years and paid on time. I've been trying to raise my credit score, so I paid off a couple of loans. I paid $2,000 on a $2,200 balance with Macy's, and after doing so, they lowered my credit to $200, which took away my available credit and decreased my credit score instead of increasing it. Thanks, Macy's, for the help.
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0
0
Hung Ngo @autotech81
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1 Star Rating
I had purchased $1900 and used a Macy's card on Black Friday, November 2023, for $800. After that, I made a payment of $200, and the following month, on December 22, I went there and made a $100 payment and purchased $140 worth of goods. Then, on January 24, 2024, I went back and made a payment of $200 and attempted to purchase items for $53, but the card was declined. I used my credit card to pay for the $53. In the next two days, Macy's tried to call me and told me I had missed a payment. I didn't understand how I missed a payment . I just paid the full amount and told them to cancel my card.
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0
0
cheryl_yaeger @cheryl_yaeger
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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.
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0
0
robin @robind_70
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1 Star Rating
Verified Customer
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.
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0
0
Sheryl Alway @310sheryl
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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.
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1
0
CRAIG A COMBIN @ithacauser27
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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.
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0
1
Tanya @sincerely_orchids
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1 Star Rating
Verified Customer
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.
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1
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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.
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3
0
Noelle McCrea @noellement
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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.
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2
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Dcal430 @Dcal430
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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.
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