Macy’s Credit Card

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Macy's Credit CardCustomers of Macy’ s department store have access to two kinds of credit cards. The first is the line of in-house cards issued by Department Stores National Bank. The second, which is also brand new as of August 2010, is the Macy’s American Express (Amex).

Both types of cards can be used for purchases in Macy’s stores or online, but the American Express card can be used anywhere Amex is accepted. Various rewards are earned with the Amex reward credit card depending on what goods or services were purchased, and where they were purchased.

Be sure to click here to learn more about the American Express Premier Rewards Gold Card!

You may apply for any of the Macy’s credit cards online. The online form requests the typical information like name, address, telephone, and employment. All new customers to sign-up and be approved are automatically given a 15% discount on all purchases made at Macy’s during the first two days of the account’s existence. Compare other credit card offers today!

Macy’s Credit Card – In House Line

Macy’s offers four different levels of in-house credit cards. They can be used only for purchases made through the Macy’s web site or at a local retail outlet. Each level of these retail credit cards has an annual spending limit attached to it, and is issued based on credit worthiness.

  • The Red card allows for spending between $0 and $499.99 annually
  • The Gold card allows between $500 and $999.99
  • The Platinum allows between $1,000 and $2,499.99
  • The Elite allows $2,500 or more

The interest rate on all four cards is 24.5%. High, but on par with most retail credit card offers.

Macy’s Credit Card – American Express

The Macy’s Amex is issued and managed by Citi. Applicants can chose to apply for the regular or Preferred card with varying levels of benefits for each. Every Macy’s Amex customer receives special Daily Wish sales opportunities three day per week. Members with Preferred cards earn exclusive travel credit card rewards. Both cards offer access to American Express travel service and discounts, online account management, and 24-hour customer service.

Macy’s will review all Macy’s Visa accounts to establish eligibility for the American Express card. Accounts that qualify will be automatically transferred at no cost to the card holder. All balances, credit limits, and earned points will be carried over to the new account. Customers who have only the in-house card are not affected by the switch. Compare credit card offers today!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

4 Cardholder Reviews for the “Macy’s Credit Card”

  1. Chris says:
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    Opened account in Jan 2011, thought I pd acct, started getting verbal abuse by collection agency, they pertend not to understand me, then they put me on speaker phone and started laughing at me. I opened acct for 37.20, in Jan and as of Apr 2011 got accessed $25 + $35 +, $35 in service charges + interest charges of about $10, thats over 200%. Ouch I called today to canx…..collection company left 4 messeges on phone while I was gone last week.

  2. Chris Johson says:
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    The rewards seem in line with other cards, in terms of a % of purchases. However, the interest rate on the Amex card is in the high 20′% range. I phone to have the rate lowered and they said I have the lowest rate possible. I find that hard to beleive, but if it is true it furthers my negative feelings about this account.

    Re: customer service – virtually ever time I call to ask a question, I’m connected with a perfectly pleasant person, but I am unable to understand them. My guess is Amex uses an off shore call center to save money, but at the expense of customer service. And, by the rates they charge, it appears as though they’re not passing any savings on to the card holder.

    With just average rewards and unacceptable fees/interest rates and sub par customer service, this card is not worh carrying. I cancelled mine about 15 minutes ago.

  3. Michael says:
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    The in-house card is exceptionally useful if you’re going to shop at macy’s anyway. You get access to exclusive sales, and you can simply pay off the balance each month. The customer service has also been pleasant every time I’ve called, and unlike the comments above (which seem to have the AmEx), have always been fluent in English and understandable. It’s also nice knowing that I don’t have to call in a search party to find the receipt if I should want to return something.

    As long as you’re responsible, the in-house card is great, even if only as a discount/rewards program.

    Also, the original post is wrong. In house cards DO NOT have spending limits attached based on their level (red/gold/etc). Those amounts are the per-year spending at Macys to earn the different levels–i.e., if one spends $500+ in a year, they’ll receive a Gold card. Over $1000, they’ll receive a Platinum, and over $2500, the elite card. The credit limit is unrelated, and you may request an increase or (apparently) receive them at random. Mine sporadically increased by $1000 between statements without any contact from me.

  4. heather says:
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    Don’t do it! Even if you pay off your Macys account monthly, as soon as your account is paid in full, they will charge you a $2 fee the next month! This is standard policy. They refuse to give pay off balances on their account so they can charge you this fee, and I think they really plan on you not noticing so they can charge you a $35! fee for a late/missed payment. Not worth the risk to your credit, or the headaches.

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