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  Macy's Credit Card

Macy's Credit Card

in Personal Credit Cards from Citibank

Unaffiliated

Macy's Credit Card

Unaffiliated

in Personal Credit Cards from Citibank

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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0 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) Up to 27.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A

Macy's Credit Card Review

Macy's Credit Card is a store credit card issued by Citibank. If you're wondering whether Macy's Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Macy's Credit Card Pros & Cons
The Good The Bad
  • Annual Cardholder spend at Macy's $1 - $499 receive 25% off any day with Star Passes.
  • Annual Cardholder spend at Macy's $500 - $1,199 receive free shipping with no minimum at Macy's with the Macy's credit card.
  • Annual Cardholder spend at Macy's $1,200+ receive 5% back in rewards on merchandise, no exclusions at Macy's with the Macy's credit card.
  • Macy's Credit Card reports to multiple credit bureaus.
  • High interest rates.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.
Macy's Credit Card FAQ

Is there a Macy's Credit Card cash back or rewards program?

No, Macy's Credit Card does not offer a rewards program.

What are the relevant APRs for Macy's Credit Card?

Macy's Credit Card has a variable purchase APR of up to 27.49%.

Does Macy's Credit Card have an introductory APR offer on balance transfers?

No, Macy's Credit Card does not come with an introductory APR offer for balance transfers.

Does Macy's Credit Card have an introductory APR offer on new purchases?

Macy's Credit Card does not offer an introductory rate on new purchases.
Macy's Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Macy's Credit Card?

The following fees apply to Macy's Credit Card:

Macy's Credit Card Fees
Fees Amount
Annual Fee
Returned Payment Fee up to $39

Does Macy's Credit Card report your account activity to credit bureaus?

Macy's Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Macy's Credit Card

  • Visit the Macy's Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Minimum Interest Charge $2
Returned Payment Fee Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • Non-Resident
  • Non-Residents Through Entities Incorporated in the U.S.
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Purchase APR (Variable APR) Up to 27.49%

Macy's Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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