Credit Cards
Macy’s Credit Card Review: enjoy amazing benefits
If you adore Macy's, applying for their credit card is a no-brainer. Discover how to enjoy discounts in our Macy's Credit Card review. Keep reading!
Advertisement
All information about Macy’s Credit Card has been collected independently by The Mad Capitalist.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Advertisement
Combine your love for fashion with savvy shopping
If you’re looking for a store credit card with decent rewards and no annual fee, this Macy’s Credit Card review might catch your eye.
Macy's Credit Card: Quick and Easy Way to Apply
Learn to apply for Macy's Credit Card, enjoy exclusive perks, and compare it with Torrid for smart shopping choices. Keep reading!
In this post, we’ll break down the key details, pros, and cons to help you decide if this card fits you. Keep reading!
- Credit Score: Good-Excellent;
- Annual Fee: $0;
- Purchase APR: 31.99% (Variable);
- Cash Advance APR: 31.99% (Variable);
- Welcome Bonus: 20% off on your $100 on purchases in the first two days of account;
- Rewards: 3 % back in rewards at restaurants (delivery included), 2% at gas stations and supermarkets, and 1% in everything else.
Macy’s Credit Card: how does it work?
First, let’s talk about the basics. Macy’s Credit Card is designed for individuals with good to excellent credit scores.
The good news is that it comes with no annual fee, so it is an attractive option for budget-conscious shoppers.
However, it’s important to note that the purchase APR and cash advance APR are both set at a high 31.99% (Variable).
Advertisement
Welcome Bonus and Rewards
One of the perks of getting a Macy’s American Express® Card is the welcome bonus.
You can enjoy a 20% discount on your first $100 purchases for two days after opening your account.
As for ongoing rewards, you’ll earn 3% back in rewards at restaurants (including delivery), 2% at gas stations and supermarkets, and 1% on all other purchases.
Different Versions
Macy’s Credit Card comes in two types: the regular Macy’s Credit Card and Macy’s Credit Card from American Express.
Both cards offer rewards on your purchases, but here’s the catch. The Amex version can be used anywhere American Express is accepted.
At the same time, the regular Macy’s Credit Card is limited to Macy’s stores.
Advertisement
Macy’s Credit Card: should you get one?
This card could be a great fit if you’re a loyal Macy’s shopper and want to earn rewards on your purchases.
The Amex version offers even more rewards and perks, such as presale tickets to shows and travel upgrades.
Also, 1,000 points from the Amex version are equivalent to $10 in Star Money rewards to use at Macy’s or other stores.
Just remember that Star Money is valid for 30 calendar days from issuance.
Further, let’s review Macy’s American Express® Card pros and cons.
Pros
- No annual fee;
- Opportunity to earn rewards on Macy’s purchases;
- Welcome bonus for new cardholders.
Cons
- High APR (31.99% Variable);
- Limited usability for the regular Macy’s Credit Card.
Credit score required
Indeed, you should have a good to excellent credit score to qualify for the Macy’s Credit Card.
Macy’s Credit Card application: how to do it?
Apply for the Macy’s Credit Card in our post below. So keep reading for complete instructions.
Macy's Credit Card: Quick and Easy Way to Apply
Learn to apply for Macy's Credit Card, enjoy exclusive perks, and compare it with Torrid for smart shopping choices. Keep reading!
Trending Topics
Learn to apply easily for the Blue Sky Financial Mortgage
Apply for the Blue Sky Financial Mortgage with this guide. Find the perfect lender for your needs! Enjoy personalized rates! Read on!
Keep Reading
Best Egg Personal Loans review: how does it work and is it good?
Do you need a personal loan? Check out the Best Egg Personal Loans review to see if it's the right choice for you. Read on!
Keep Reading
Juno Debit Card review: Purchase with cash or crypto
Read the Juno Debit Card Review to learn if this crypto card it is right for you! Read on to see its pros and cons!
Keep ReadingYou may also like
8 easy steps to help you retire early and finally reach financial independence
The path to retire early and reach financial independence starts with a single step. So, check our guide to help you get there!
Keep Reading
Chase Secure Banking℠ application: how does it work?
Discover how to make the Chase Secure Banking℠ application – a convenient way to manage your finances better. No minimum deposit.
Keep Reading
First Digital Mastercard® review: is it worth it?
Looking for a card to help repair your damaged score? Look no further than the First Digital Mastercard®: read the review to learn more!
Keep Reading