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Macy's Credit Card

Macy's Credit Card
Macy's Credit Card

Macy's Credit Card

There are some nice perks for dedicated Macy's customers to get out of this card. Make sure you don't carry a balance because this card comes with an extremely high APR and hefty fees.
Editor's Rating: 4.0/5.0

Editor's Rating


Macy's credit cards provide shoppers with a decent way to save some money and (possibly) earn additional cash towards future Macy's shopping trips. The basic version of this card (the Macy's Credit Card) lets you receive special discounts and promotions throughout the calendar year that you otherwise wouldn't have access to. The AmEx version (the Macy's American Express Card) offers those same discounts and promotions with other additional perks which we'll discuss below.

Should you be using a Macy's credit card?

It depends. For starters, the regular Macy's Credit Card accrues NO rewards on the individual dollars you are spending. So if you can't qualify for the AmEx option we think you're better off using a general purpose cash-back card so you're earning money back on each purpose. The Macy's AmEx, however, does let you earn 1.5% - 3% depending on your spending level (the latter is reserved for Premier Elite spenders). Once you've earned enough from your AmEx, Macy's will issue you a Rewards Certificate which is basically a gift card towards a future purchase. While these rewards aren't as flexible as pure cash-back, we think it's worth considering the AmEx Macy's card especially if you're a Premier Elite spender and can earn that 3% back on each dollar.

What other cards are better?

As mentioned above, if you can't qualify for the AmEx card that probably means your credit isn't excellent. At that point you have a couple of options which will come down to personal preference You can:

A) sign-up for the regular Macy's card option which will let you receive benefits like special coupons and surprise offers but won't let you earn money back on each dollar you spend

B) sign-up for a less credit stringent cash-back card, like the Capital One® QuicksilverOne® Cash Rewards Credit Card, and earn 1.5% cash back but not receive the occasional Macy's deal

Capital One® Quicksilver® Cash Rewards Credit Card

Our two cents? Because many of the deals and coupons Macy's distributes to its cardholders are available to non-cardholders as well there's much less value in carrying just a basic Macy's card. We would opt for the Capital One® QuicksilverOne® Cash Rewards Credit Card or regular Capital One® Quicksilver® Cash Rewards Credit Card card (good credit) and use the readily available Macy's coupons found online or even in the in-store circulars.

Getting Into the Details

Let's take a deeper look at your two Macy's card options as well as one additional perk and one item to be cautious of:

Macy's Credit Card

The majority of Macy's credit cards that are issued are of the non-AmEx variety. Due to the fact that even those with poor credit can usually get approved for Macy's entry-level card, it has become the more widely issued of the two. If you opt to use this basic Macy's card instead of the AmEx you'll want to know that you can be approved for one of several different tiers that are based on your spending level. Until recently these tiers were called Red, Gold, Platinum, and Elite. But some recent rebranding on Macy's part gave the loyalty program an overhaul and changed much of their old terminology. Here are the 3 new levels:

Card Level

Annual Spending Limits

Preferred (Red Card)


Elite (Gold Card)


Premier Elite (Platinum Card)


These cards are all fairly similar minus their different names. The only real difference between the three is how often you receive Macy's Star Pass Mailings (coupons and deals on products). The Preferred receives mailings 3x per year, the Elite 6x per year, and the Premier Elite 12x per year. Also, Premier Elite members get exclusive shipping offers from and a priority 800 number. The one reason you may opt for the Macy's Credit Card over the AmEx is that you're still likely to be accepted even if your credit is only average or below-average.

Macy's American Express Card

Unlike the regular Macy's Credit Card, if you sign up for their AmEx counterpart you are eligible for the Star Rewards program. This is essentially a gift certificate program where Macy's will mail you gift cards that can be used on future purchases at their store. This program allows cardholders to earn rewards on purchases that they are making. If you spend between $500-$999 a year at Macy's you'll get 1.5% on those purchases in addition to 1% outside of Macy's.

If your spending exceeds $1,000 per year at Macy's, you become eligible for the Macy's Preferred American Express card and you'll earn 3% in-store and 1% on out of store purchases. Preferred cardholders also get exclusive travel offers on both flights, hotels, and car rentals at various destinations, as they are part of the American Express network.

If you opt for this card over the standard issue Macy's Credit Card, you should keep one thing in mind. The biggest difference between the two cards, the Star Rewards Certificates, only start to accumulate if you're spending in excess of $500 per year at Macy's. If this doesn't describe your personal spending habits at the retailer, you may want to opt for the Macy's Credit Card and apply for an AmEx card that offers you better deals where you're spending money.

Other Perks to Keep In Mind

Both cards will give you the convenience of managing and paying your bills right on the Macy's website. You also don't need to worry about those elusive receipts that always seem to disappear when you're considering a return. Because Macy's is able to track all your purchases when you use your card, you can exchange items in-store without your receipt.

Privacy Concerns with Macy's Cards

The bank that issues your Macy's Credit Card is called Department Stores National Bank (DSNB). Like many similar banks in their position, DSNB has you sign-off (whether you read the terms or not) on their right to share your purchase information quite freely. Not only does Macy use it internally to target relevant deals and discounts towards you, DSNB sells your information to "marketing partners" and "affiliates". While most consumers NEVER read through this fine-print, there's actually an easy way to limit, but not eliminate, how much of your information gets shared. DSNB has setup a telephone number (1-888-830-3087) that you can call and request for them to limit their sharing.

Comments and Questions

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Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, Amazon Business American Express Card, and Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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