For now, just understand that the Macy’s Credit Card is limited in its usage and points-earning potential. The Macy’s Card (and the Amex version) receive benefits based on the status level you’ve achieved therefore, we’ll discuss that separately in the “Macy’s Star Rewards Program” section below. Once you’ve been issued the store-branded card, you are also automatically enrolled in Macy’s “Star Rewards” program, beginning at the base level where all cardholders begin, Silver Status.

The basic store-branded credit card from Macy’s can only be used for purchases made at Macy’s,, and at Macy’s Backstage. Approval can be instantaneous or the process may take 7 – 10 business days to receive your Macy’s Credit Card or Macy’s Amex card. Depending on your creditworthiness and other factors, you will be issued either one. As you’re aware, there are the basic store-branded Macy’s card and the American Express version, both issued by Citibank. To begin, apply for Macy’s line of store-branded credit cards in-store on by filling out the online application.

The Best Cards of 2019 Overview | Macy’s Credit Cards In this overview, we’ll cover the benefits of Macy’s line of credit cards, discuss some of the drawbacks, and consider some alternatives that may offer better rewards for savvy shoppers.

And like many department stores and big-box retailers, Macy’s offers its loyal customers a way to earn rewards and perks with its line of retail credit cards, the Macy’s Credit Card and the Macy’s American Express Card. We’ll discuss the benefits and drawbacks of each card, as well as determine whether alternative cards offer better deals for qualified applicants.Īs a mainstay of shopping malls, Macy’s department stores offers the best in stylish apparel, household wares, appliances, and household wares all under one room. Popular department store chain Macy’s offers two credit cards for cardholders to earn rewards when they spend.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Sift and CardRatings may receive a commission from card issuers. Advertiser Disclosure: SIFT has partnered with CardRatings for our coverage of credit card products.

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