What the Macy's Credit Card Does

The Macy's Credit Card is a store card that works only at Macy's and Macy's.com. You use it like any other credit card—swipe it at checkout, pay a monthly bill, and earn rewards on your purchases. The main benefit is a rewards program that gives you points on every dollar you spend, which you can redeem for discounts on future purchases.

Unlike a general-purpose credit card, the Macy's card has no annual fee and is designed specifically for frequent Macy's shoppers. You can also use it to access special promotions, early sale access, and exclusive discounts that cardholders receive throughout the year.

The card comes in two versions: the standard Macy's Credit Card and the Macy's American Express Card. The American Express version offers additional benefits but requires a higher credit score to get approved. Both versions earn the same rewards rate on Macy's purchases.

Key Takeaways

  • The Macy's Credit Card earns rewards points on every purchase at Macy's, with bonus points during promotional periods.
  • You can explore online at Macys.com, in a store, or by phone, and you will know if you are approved within minutes.
  • The card has no annual fee, but you will need a credit score of at least 600 to have the best chance of approval.
  • Once approved, you can set up your card online or by phone before making your first purchase.
  • Your monthly bill is due by the date shown on your statement, and you can pay online, by phone, or by mail.

how the process works for the Macy's Credit Card

You can start an process in three ways: online at Macys.com, on the Macy's mobile app, in a Macy's store, or by calling 1-800-MACYS-CC. The online process takes about five minutes and asks for your name, address, date of birth, Social Security number, annual income, and employment status.

You will need a valid government-issued ID and a Social Security number to complete the process. Have your most recent pay stub or tax return handy if you want to enter your exact income, though you can estimate if you prefer.

After you submit your process, Macy's will tell you when ready whether you are approved, denied, or pending further review. If you are approved, your card number appears on the screen right away, and you can start using it online or in stores the same day. If you are pending, Macy's will call you within a few business days with a decision.

What Credit Score You Need

Macy's does not publicly state a minimum credit score requirement, but most cardholders report approval with scores of 600 and above. If your score is below 600, approval is less likely but not impossible—Macy's also considers your income, employment history, and payment history with other accounts.

If you are denied, you can reapply after six months. In the meantime, you can still shop at Macy's with a debit card or another credit card. Some people who are denied for the standard card are later approved for the Macy's American Express Card, which has different approval criteria.

Activating Your Card and Making Your First Purchase

If you were approved online or by phone, your card is ready to use when ready—you do not need to set up it. You can use the card number shown on your approval screen to shop online or in stores right away.

If you received a physical card in the mail, you will need to set up it before using it. Call the number on the back of the card or go to Macys.com and log into your account to set up it. set up takes less than a minute and requires you to verify your identity with your Social Security number or date of birth.

Once activated, you can use your card at any Macy's location or on Macy's.com. The card does not work at other retailers, even if they are owned by the same parent company.

Understanding Your Rewards and How to Redeem Them

The Macy's Credit Card earns one point for every dollar you spend at Macy's. During promotional periods—usually several times a year—you earn bonus points, such as five points per dollar during a holiday sale. You can check the current promotion on Macys.com or ask a store associate.

Points do not expire as long as your account remains open and active. You redeem points by converting them to a Macy's Money reward, which is a discount code that appears in your account. The conversion rate varies: typically, 1,000 points equals $10 in Macy's Money, though promotional periods sometimes offer better rates.

To redeem your points, log into your Macy's account online, go to the rewards section, and select "Redeem Now." Your Macy's Money will be added to your account when ready and can be used on your next purchase in store or online. You can also ask a store associate to help you redeem points at checkout.

Paying Your Monthly Bill

Your bill is due by the date listed on your monthly statement, which you can view online or receive by mail. You have three ways to pay: online through your Macy's account, by phone at 1-800-MACYS-CC, or by mailing a check to the address on your statement.

If you pay online, the payment usually posts within one business day. If you pay by phone, you can make a one-time payment or set up automatic payments from your bank account. Automatic payments are deducted on the date you choose each month, which helps you avoid late fees.

If you miss a payment, you will be charged a late fee and your interest rate may increase. If you are unable to pay your full balance, you can pay the minimum amount due, but you will be charged interest on the remaining balance at the card's current APR (annual percentage rate). The APR varies based on your creditworthiness and current market rates.

Special Promotions and Cardholder Benefits

Macy's cardholders receive exclusive offers throughout the year, including early access to sales, special discount days, and bonus point promotions. These are announced via email, in-store signage, and on the Macy's website. You can also check your account online to see current offers.

One common promotion is "Macy's Money Days," where cardholders earn bonus points on all purchases during a specific weekend. Another is early access to major sales like the annual January clearance or holiday promotions, sometimes 24 to 48 hours before the general public.

Birthday month is another benefit: most cardholders receive a special offer or bonus points during their birthday month. Check your email or log into your account to see what offer applies to you.

Frequently Asked Questions

Can I use the Macy's Credit Card outside of Macy's?

No. The Macy's Credit Card works only at Macy's stores and Macy's.com. It cannot be used at other retailers, even those owned by the same parent company. If you need a card that works everywhere, you would need a different credit card.

What happens if I do not use my Macy's card for a long time?

Macy's may close your account if it remains inactive for an extended period, typically 12 months or longer with no purchases or payments. If your account is closed, your rewards points may be forfeited. To keep your account active, use the card at least once every few months.

How do I check my credit limit?

Log into your Macy's account online or call 1-800-MACYS-CC to see your credit limit. Your limit appears on your monthly statement as well. If you want to request a higher limit, you can do so through your online account or by calling customer service.

What is the interest rate on the Macy's Credit Card?

The APR varies based on your credit score and creditworthiness at the time you explore. Macy's will disclose your specific APR in your approval documents and on your monthly statement. You can also call customer service to ask about your current rate.

Can I transfer a balance from another credit card to the Macy's card?

The Macy's Credit Card does not offer balance transfers. You can only use it to make new purchases at Macy's. If you have debt on another card, you would need to pay that down separately or transfer it to a different card that offers balance transfers.