5 Things To Know About Macy’s Credit Card – Many or all of the products featured here are from our partners who reimburse us. This affects which products we write about, as well as where and how the product appears on the page. However, it does not affect our ratings. Our own opinions. Here is a list of our partners and here is how we make money.
As with Macy’s department stores, the Macy’s Credit Card offers a big draw. it gives you rewards and discounts on countless items to enhance your home, wardrobe and life. But if you look closely at it, the shine fades. The card has a complex rewards structure and limited redemption options.
5 Things To Know About Macy’s Credit Card
There are two main versions of the Macy’s credit card: a closed-loop card, which you can only use at Macy’s, and an open-loop American Express card, which you can use anywhere American Express is accepted. Neither card comes with an annual fee.
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Macy’s credit cards come with tiered rewards, meaning rewards depend on how much you spend at the retailer.
With the open version of the Macy’s card, you also earn rewards on purchases outside of Macy’s; 3% back at restaurants, including delivery; 2% return at gas stations and supermarkets; and 1% back on everything else.
Note that if you don’t have a Macy’s credit card, you can join the loyalty program as a Bronze member and earn 1% rewards. The loyalty program includes “Star Cash Bonus Days” where you can earn faster rewards. Cardholders also receive a 25% discount on Star Pass from time to time.
Once you accumulate 1,000 points in your account, you’ll receive a $10 Star Cash Reward that you can use to shop at Macy’s, both in-store and online. (This means each point is worth 1 cent.) Rewards cannot be used for gift cards, Macy’s Beauty Box subscriptions, or services such as change.
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You also face a limited period of time to use the rewards. Star Money is only valid for 30 days after it is issued. Compared to other credit card rewards programs, this is a very short redemption window. For example, points earned with Amazon’s Prime Visa never expire as long as the card is open. If you’re looking for a card that offers more flexible rewards, our list of top-rated credit cards can help.
Like many store cards, the Macy’s credit card comes with a discount when you open it. You get 20% off total purchases up to $100 made on and after your card is approved. (Discount does not apply to certain purchases, including Apple products and gift cards.)
When you shop at Macy’s with your Macy’s credit card, you automatically get free standard shipping with no minimum purchase requirements. However, some items are excluded, such as furniture, mattresses and carpets.
Plus, you’ll get a birthday “surprise” every year on your birthday, provided you’ve used your card to shop at Macy’s (in-store or online) within the last 12 months. Anecdotally, cardholders have reported receiving $10 off purchases on their birthdays. However, you may have to go to a Macy’s store to purchase your gift.
Everything You Need To Know About Macy’s Money Reward Card
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Whether you want to pay less interest or earn more rewards, there’s a card for you. Just answer a few questions and we’ll narrow down your search.
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Sign up and we’ll send you the money articles that matter most to you, as well as other ways to help you get more money. To pay online, check your account balance, view your account statements, and more, you must add your Macy’s Credit Card or Macy’s American Express® Card to your macys.com account using your account number, your name, as shown : on your card or statement, the card’s security code, and the last four digits of your social security number.
Please note: payments may take up to 3 days to appear in your account. Debit cards are not currently accepted for online payments.
After adding your Macy’s credit card to your account and logging in, select your Macy’s credit card.
Here you can view your statement balance, minimum payment and payment date, and other information related to your Macy’s account.
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Choose the PDF option if you’re looking for an image similar to your traditional announcement. You can view and print statements online for 12 consecutive months. To request a copy of your statements from more than 12 months ago, contact Credit Customer Service at 1-888-257-6757, 9:00 AM to 12:00 PM EST, 7 days a week.
Have your Macy’s account number and valid bank deposit account information. You can also request statements and other information related to your credit card.
You can pay your bill with cash, check, debit card or money order at any Macy’s store. Find a store
We do not accept credit or gift cards as payment on your Macy’s Credit Card or Macy’s American Express® Card. Debit cards are currently only accepted for in-store payments.
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If you love going to Macy’s and checking out the latest fashions, a Macy’s credit card might seem like a way to get the best deals. The retailer offers two card options: the Macy’s Credit Card, which can only be used at Macy’s, and the Macy’s American Express® Card, which you can qualify for if you have good or excellent credit. Both offer up to 5% off Macy’s purchases and 25% off free Star Passes. Read our in-depth Macy’s credit card review to learn more about the pros and cons.
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3.00/5 Circle the letter I. Our ratings are based on a 5-star scale. 5 stars equals the best. 4 stars equals excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Bad. We want your money to work harder for you. That’s why our ranking is biased toward offerings that offer versatility while keeping out-of-pocket costs low. = Best = Excellent = Good = Fair = Poor
Credit score. Circle the letter I. Being in this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a possible approval decision. There are different types of credit scores and lenders use different credit scores to make lending decisions.
The range of credit points with the letter I. Being in this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a possible approval decision. There are different types of credit scores and lenders use different credit scores to make lending decisions.
Reward circle with the letter I. 2%, 3% or 5% rewards on Macy’s purchases depending on your loyalty status
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This credit card is great for Macy’s fans who shop at the department store every month.
The Macy’s Star Rewards program has Bronze, Silver, Gold and Platinum statuses, and the benefits for each are different. If you have a Macy’s credit card, you can skip bronze and start with silver. Here are the reward rates and spending requirements for each status:
If you meet the spending requirements for the new status, you will have that status for the remainder of the calendar year and the next calendar year.
While some store credit cards may offer few benefits, the Macy’s Credit Card offers some good ones.
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Macy’s Credit Card and Macy’s American Express® Card earn points for purchases at Macy’s. The number of points you earn depends on your Macy’s Star Rewards status;
If you have a Macy’s American Express® card, it earns you the following rewards on purchases outside of Macy’s: