SuperMoney
Explore
Compare Rates

Compare All Personal Credit Cards

Filter & compare all your options in one place.

View All Personal Credit Cards
x No thanks, not right now
Advertiser Disclosure
  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% 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.

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
0 users recommend
0 users are unsure
1 user doesn't recommend
Browse Reviews: 0 Recommendations | 1 Complaints
Cast your vote
Cast your vote

Would you recommend Macy's Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Change my vote
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
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A
Purchase APR  (Variable APR) Up to 27.49%

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 and 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.

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 score.

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...

Contact

  • Headquarters
  •   388 Greenwich Street
    New York, NY 10013
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 3:00pm

Other Services by Citibank

Icon for Personal Credit Cards
View all personal credit cards offered by Citibank
Icon for Banking Banking

CD Accounts

Be the first to rate

Checking Accounts

Rating not yet determined

2 Reviews

Money Market Accounts

Rating not yet determined

3 Reviews

Savings Accounts

Rating not yet determined

1 Reviews
Icon for Credit Card Credit Card

Business Credit Cards

2 Products

Be the first to rate
Icon for Loans Loans

Personal Lines of Credit

Rating not yet determined

1 Reviews

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
Card Type Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Purchase APR (Variable APR) Up to 27.49%

Macy's Credit Card Community Reviews
Browse Reviews: 0 Recommendations | 1 Complaints

 

Would you recommend Macy's Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

ABOC Platinum Rewards Credit Card
Strongly recommended

7 Reviews

Deserve Edu Mastercard for Students
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

1 Reviews

OpenSky Secured Visa
Mostly recommended

6 Reviews

View All

Citibank Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Citi® Double Cash Card

Citi® Double Cash Card

Rating not yet determined

2 total votes
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
Balance Transfer APR 14.99% - 24.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 680 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.99% - 24.99%
(Variable APR)
    0% 36% Variable APR
Costco Anywhere Visa Card by Citi

Costco Anywhere Visa Card by Citi

Rating not yet determined

2 total votes
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
Balance Transfer APR 16.24% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.24% Variable APR
Citi Simplicity Card

Citi Simplicity Card

Rating not yet determined

1 total votes
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
Balance Transfer APR 15.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.74% - 25.74%
(Variable APR)
    0% 36% Variable APR
Citi® Diamond Preferred Card

Citi® Diamond Preferred Card

Rating not yet determined

1 total votes
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
Balance Transfer APR 14.74% - 24.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.74% - 24.74%
(Variable APR)
    0% 36% Variable APR
Sears Shop Your Way Mastercard®

Sears Shop Your Way Mastercard®

Rating not yet determined

2 total votes
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
Maximum Balance Transfer APR 27.24% Maximum Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 27.24% Maximum Variable APR
Shell | Fuel Rewards® Mastercard®

Shell | Fuel Rewards® Mastercard®

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 28.49% Maximum Variable APR
Citi / AAdvantage Platinum Select World Elite Mastercard

Citi / AAdvantage Platinum Select World Elite Mastercard

Rating not yet determined

1 total votes
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
Balance Transfer APR 16.99% - 25.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $99 Annual Fee
Purchase APR 16.99% - 25.99%
(Variable APR)
    0% 36% Variable APR
My Best Buy Visa

My Best Buy Visa

Mostly recommended

2
1
2
5 total votes
Balance Transfer APR 26.24% Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 26.24% Variable APR
Tractor Supply Company Credit Card

Tractor Supply Company Credit Card

Rating not yet determined

4 total votes
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
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 27.99% Maximum Variable APR
L.L.Bean Mastercard Credit Card

L.L.Bean Mastercard Credit Card

Strongly not recommended

 
 
14
16 total votes
Balance Transfer APR 16.24% - 22.24%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 21.49%
(Variable APR)
    0% 36% Variable APR
Toro-Exmark Credit Card

Toro-Exmark Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 25.99% Variable APR
Big O Tires Credit Card

Big O Tires Credit Card

Rating not yet determined

1 total votes
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
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 840     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.49% Variable APR
Brand Source Credit Card

Brand Source Credit Card

Rating not yet determined

1 total votes
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
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.74% Variable APR
Jewelers Reserve Credit Card

Jewelers Reserve Credit Card

Rating not yet determined

1 total votes
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
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 30.49% Maximum Variable APR
Citi Rewards+SM Card

Citi Rewards+SM Card

Be the first to rate

Balance Transfer APR 14.99% - 24.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.99% - 24.99%
(Variable APR)
    0% 36% Variable APR
AT&T Access Card from Citi

AT&T Access Card from Citi

Be the first to rate

Balance Transfer APR 15.74% - 24.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.74% - 24.74%
(Variable APR)
    0% 36% Variable APR
Citi Premier Card

Citi Premier Card

Be the first to rate

Balance Transfer APR 16.99% - 24.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 720 - 850     300 850
Annual Fee $95 Annual Fee
Purchase APR 16.99% - 24.99%
(Variable APR)
    0% 36% Variable APR
Macy's American Express® Card

Macy's American Express® Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 27.24% Maximum Variable APR
Bjorn's Credit Card

Bjorn's Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.49% Variable APR
Office Depot Personal Credit Account

Office Depot Personal Credit Account

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range
Annual Fee N/A Annual Fee
Maximum Purchase APR 27.99% Maximum Variable APR
Bloomingdale's American Express

Bloomingdale's American Express

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 26.4% - 26.24%
(Variable APR)
    0% 36% Variable APR
Brooks Brothers Platinum Mastercard

Brooks Brothers Platinum Mastercard

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.99% - 23.99%
(Variable APR)
    0% 36% Variable APR
NTB Credit Card

NTB Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 580 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 21.96% - 30.49%
(Variable APR)
    0% 36% Variable APR
Citi Prestige Card

Citi Prestige Card

Be the first to rate

Balance Transfer APR 17.99% - 24.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $495 Annual Fee
Purchase APR 17.99% - 24.99%
(Variable APR)
    0% 36% Variable APR
Exxon Mobile Business Card

Exxon Mobile Business Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 23% Starting Variable APR
Exxon Mobil Smart Card

Exxon Mobil Smart Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 27.24% Variable APR
Quick Lane Credit Card

Quick Lane Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 30.49% Maximum Variable APR
Shell Fuel Rewards® Card

Shell Fuel Rewards® Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 28.49% Maximum Variable APR
Sears Card®

Sears Card®

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee N/A Annual Fee
Maximum Purchase APR 27.24% Maximum Variable APR
Staples® Personal More Account

Staples® Personal More Account

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 29.99% Maximum Variable APR
Citi Rewards+ Student Card

Citi Rewards+ Student Card

Be the first to rate

Balance Transfer APR 15.99% - 25.99%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 690 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.99% - 25.99%
(Variable APR)
    0% 36% Variable APR
Honda Powersports Credit Card

Honda Powersports Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 30.49% Maximum Variable APR
Home Depot Credit Card

Home Depot Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 17.99% - 26.99%
(Variable APR)
    0% 36% Variable APR
Volkswagen Service Credit Card

Volkswagen Service Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.49% Variable APR
Citi / AAdvantage Executive World Elite Mastercard

Citi / AAdvantage Executive World Elite Mastercard

Be the first to rate

Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $450 Annual Fee
Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Expedia® Rewards Card from Citi

Expedia® Rewards Card from Citi

Be the first to rate

Balance Transfer APR 16.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.49% - 24.49%
(Variable APR)
    0% 36% Variable APR
Citi Secured Mastercard

Citi Secured Mastercard

Be the first to rate

Balance Transfer APR 24.24% Variable APR
Credit Score Range 500 - 720     300 850
Annual Fee $0 Annual Fee
Purchase APR 24.24% Variable APR
Ford Service Credit Card

Ford Service Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 30.24% Variable APR
American Airline AAdvantage MileUp Mastercard

American Airline AAdvantage MileUp Mastercard

Be the first to rate

Balance Transfer APR 17.49% - 26.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 17.49% - 26.49%
(Variable APR)
    0% 36% Variable APR
Lincoln Owner Credit Card

Lincoln Owner Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Maximum Purchase APR 30.24% Maximum Variable APR
Goodyear Credit Card

Goodyear Credit Card

Be the first to rate

Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 620 - 850     300 850
Annual Fee $0 Annual Fee
Starting Purchase APR 29.99% Starting Variable APR
Browse Personal Credit Cards
SuperMoney
Goals
Expert Guides
Partner with us
SuperMoney
Goals
Expert Guides
Partner with us
Go to homepage

Copyright 2020 SuperMoney, LLC. All rights reserved.

NMLS Consumer Access ID #1520999

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.