Last Updated: 07/28/2025
SuperMoney User Recommendation Score -100
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Highlights
Community Rating
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
Number of Reviews
Macy's Credit Card Review
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.99%
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
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?
| Description |
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?
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.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. Macy's Credit Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for Macy's credit card?
What is the support contact email for Macy's credit card?
How do people rate the customer service and user experience of Macy's credit card?
Does Macy's Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Citi® perform a hard credit pull?
How to apply for Macy's credit card
- Visit the website of Macy's credit card.
- 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.
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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.
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Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Community Recommended Products
View AllSponsored
Sponsored
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SuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.
-100
Macy's Credit Card Community Reviews
Would you recommend Macy's Credit Card to your friends?
Anonymous
Jan 22, 2023
May or may not recommend
Iryna F.
Oct 15, 2022
May or may not recommend
Jennifer B.
Feb 14, 2022
May or may not recommend
Sean L.
Dec 23, 2020
May or may not recommend
Tracilyn V.
Feb 8, 2020
May or may not recommend
Showing 5 of 5 reviews
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