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Macy's Credit Card

Macy's Credit Card


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Over the Past 60 Days!

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  • APR 24.75%
  • Balance Transfer APR N/A
  • Cash Advance APR N/A
  • Annual Fee $0
  • Late Payment Fee $37
  • Returned Payment Fee $37
  • Minimum Interest Charge $2
  • Signup Bonus Save 20% today and tomorrow when you open a Macy's Credit Card


  • Click "APPLY NOW" to apply online
  • Receive Macy's Star Pass Mailings, surprise savings at register, and other benefits
  • Can only be used in Macy's stores

Expert Reviews

From the Editorial Team

The Macy’s credit card is an in-store charge card that also offers cardholders access to special discounts and sales promotions.

Expert Reviews of the Macy's Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 1.0


  • 2.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

The card can be handy if you shop at Macy’s, but it does have an enrollment, a steep interest rate, and there are certain restrictions on some of its key benefits.

The Good

Cardholders are eligible for exclusive sales and events Star Passes – which are invites to specially discounted purchases. Cardholders earn discount rewards based on how much they spend. If you spend more, you can rise to different levels – which qualify you for bigger rewards and discounts.

The Not So Good

The sign-up bonus discount of 20% is only applicable to purchases made the day you are approved and the following day and charged on your new Macy's Account. That discount does not apply to services, select licensed departments, gift cards, restaurants, gourmet food and wine, and the total of discount savings is limited to $100.
There is a $25 enrollment fee required for this card and there are certain restrictions on the sales offers you receive.
The purchase APR is 24.75%.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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