The Macy’s credit card allows you to make purchases at Macy’s stores (and other stores if you qualify for their American Express card). The card gives you access to special discounts at Macy’s stores, free shipping, and cash back rewards depending on how much you spend on your Macy’s card.
The Macy’s credit card is available to those who have fair credit or better. Fair credit scores start at around 640, so if you have a score in the 600s, it would be worthwhile to apply for Macy’s credit card if you think it would be a good fit for you.
How to Apply For First Premier Bank Credit Card Online
- To apply for Macy’s credit card online, visit www.macys.com and scroll to the bottom of the page.
- Click on “Apply for Macy’s Credit Card.”
- On the next page, click on the red button reading “Apply Now.” This brings you to the Macy’s credit card application.
- Enter your first and last name, email address, and physical address. Type in your phone number.
- The next section asks for your financial information. You will need to enter your monthly mortgage or rent payment, whether you own or rent your residence, and your total annual income.
Next, enter your Social Security number and your date of birth.
- Check the box saying you agree to the terms and conditions and click the red button saying “Submit Application.”
After you submit the application, you may receive an immediate answer or they may request more information. If you are declined, you have the right to request a free copy of your credit report.back to menu ↑
Other Ways to Apply For Macy’s Credit Card
If you don’t want to complete your credit card application online, you can visit a Macy’s store in person. Go to a cashier or associate and let them know you would like to complete an application. You will need to present a photo identification and you may also need to provide another credit card.back to menu ↑
Macy’s Credit Card Customer Service
If you have questions or concerns about your Macy’s credit card, you can contact them at 1-888-257-67-57. You can call them Monday through Saturday from 9 a.m. to 9 p.m. and on Sundays from 11 a.m. to 8 p.m.back to menu ↑
Macy’s Credit Card FAQs
What are the benefits of a Macy’s credit card?
A Macy’s credit card offers special 25-percent-off days and special coupons. If you spend more than $500 on your Macy’s card, you can get free shipping from Macy’s online and earn 3% cash back. If you spend $1,200 or more, you can earn five percent cash back.
What is the APR of a Macy’s credit card?
The APR varies based on the Prime Rate, but it is currently 29.74 percent. There is a minimum charge of $2.
Is there an annual fee?
Macy’s does not charge an annual fee.
Is there a late fee?
If your payment is received after the due date, you may be charged up to $30.
Can I get a credit line increase?
Macy’s can increase your credit line at their discretion. They can also lower it for any reason. They are required to give notice, but they may make the change before you receive notice.
According to reviews, Macy’s credit card comes in handy for applicants who have less-than-perfect credit. You can increase your credit score by using the card responsibly, but keep in mind it does have a relatively high interest rate. Many users complained about the $2 per month interest charge. Many didn’t realize they were charged, and then they were hit with a late fee for not paying. If you apply for Macy’s credit card, keep a close eye on your statements.