Macy's Credit Card
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| Community Rating | Strongly not recommended |
| Purchase APR (Variable APR) |
28.99% (Verified 08/15/2022) |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 650 - 850 |
| Annual Fee | N/A |
| Number of Reviews | 5 |
Macy's Credit Card Review
This is a store rewards credit card issued by Citi®. If you're wondering whether Macy's credit card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 28.99%
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Macy's credit card
| The Good | The Bad |
|---|---|
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Macy's credit card FAQ
Does Macy's credit card have a cash back or rewards program?
Macy's credit card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Macy's credit card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Macy's credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Macy's credit card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Macy's credit card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Macy's Credit Card has a variable purchase APR of 28.99%.
Does Macy's credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Macy's credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Macy's credit card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
What is the customer service phone number for Macy's credit card?
The Macy's credit card customer service number is (800) 950-5114.
What is the support contact email for Macy's credit card?
The support contact email for Macy's credit card is customer.help@citi.com.
What is the Macy's credit card login page?
You can access the Macy's credit card login page here.
How do people rate the customer service and user experience of Macy's credit card?
Overall, Macy's credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Macy's Credit Card report your account activity to credit bureaus?
Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 USA - (800) 950-5114
- Visit Site
- Email Support
Other Services by Citi®
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Minimum Interest Charge | $2 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
Macy's Credit Card Community Reviews
Would you recommend Macy's Credit Card to your friends?
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