Macy's Credit Card‎ Review

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The Macy's Credit Card, which is issued by Department Stores National Bank, offers deep discounts for consumers who sign up and use it for regular Macy’s purchases. However, this is a store credit card, so it cannot be used elsewhere. On the upside, there’s no annual fee.

Macy's® Credit Card‎

overall rating
3.3
Macy's® Credit Card‎
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
  • Regular APR (%) 27.24% variable
  • Annual Fee No Annual Fee
Ratings Breakdown
for Interest
1.0
for Rewards
1.9
for Credit
3.5

Who is This Credit Card Best For?

  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty
    Brand Loyalist
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household
    Family Shopper
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker
  • Avatar for Trendsetter Persona
    Loves being the first to try something new
    Trendsetter

Since Macy's Credit Card perks are limited to Macy’s discounts and promotions and the card can’t be used at other stores, it’s best for heavy Macy’s shoppers who want access to as many sales and brand loyalty perks as they can. 

Those who spend can $1,200 per year on their Macy's Credit Card will benefit the most since they’ll qualify for Platinum status with Macy’s and get bonus perks like free shipping and 5% back in rewards.

Pros

  • Special cardholder discounts

  • Spend more, earn more

  • Relaxed credit qualification

Cons

  • High APR for purchases

  • Big spending required to earn rewards

  • Limited rewards program

  • Can only be used at Macy's

Pros Explained

  • Special cardholder discounts: You'll get 20% off all qualifying card purchases made the day you open your card, and the day after. Plus, you only need to spend $1 per year gives to get automatic “Silver” status with Macy’s Star Rewards program. This status gives you access to perks and offers, special discounts, a birthday surprise, and more.
  • Spend more, earn more: If you spend at least $1,200 on your card each year, you can qualify for top tier "Platinum" status. This gives you the benefits of Silver status plus free shipping and 5% back in rewards. Middle of the road spenders can a
  • Relaxed credit qualification: Since the Macy's Credit Card is a store credit card, it may be easier to qualify for than a traditional rewards credit card or the store’s other credit card—the Macy's American Express Card. Note that you may be approved for both versions of the card when you apply online. At that point, you can pick between the store credit card or the American Express version. 

Cons Explained

  • High APR for purchases: This card charges an exorbitant ongoing APR of 27.49% for purchases. So, if you carry a balance with this card, interest costs will quickly outweigh any earned rewards.
  • Big spending required to earn rewards: While you can qualify for special discounts and promotions at Macy’s just by opening this card and spending as little as $1, you only get 5% back in rewards if you spend $1,200 or more in a calendar year.
  • Limited rewards program: If you’re a loyal Macy’s customer, you may have no trouble spending enough each year to earn rewards. Just remember that these “rewards” are only good for more Macy’s merchandise. Unlike normal cash back credit cards, you can redeem these rewards for anything else. 
  • Can only be used at Macy's: The Macy's Credit Card is just a store card, so you won’t be able to use it for purchases anywhere besides Macy’s, macys.com, or Macy’s Backstage.

Earning Rewards

You can only earn rewards with this card if you sign up and spend $1,200 on your card per year and achieve Macy’s Star Rewards Platinum status. At that point, you’ll get 5% back on your Macy's purchases with no merchandise exclusions. 

This puts this card at a huge disadvantage when compared to other general use rewards credit cards that let you rack up points for every dollar you spend. Note that many rewards and cash-back credit cards offer sign-up bonuses with no annual fee, making them an even better deal.

Redeeming Rewards

If you spend enough on your card each year to earn 5% back in rewards, you may be disappointed to find out your rewards points are only good for more Macy’s purchases. According to the terms and conditions, you’ll automatically receive $10 in Macy’s “Star Money” once you have earned 1,000 points. 

Think long and hard before you sign up for this card—especially if you’re someone who enjoys having options. With a general rewards or cash-back credit card, you could earn points redeemable for statement credits, gift cards, travel, merchandise, and more. 

How to Get the Most Out of This Card

Spend at least $1,200 on your new card within a calendar year in order to achieve Platinum status. At that point, you’ll be earning 5% back on all your Macy’s purchases, which you can maximize by using your card whenever you shop in the store. 

Also make sure you’re paying your balance in full every month to avoid paying steep interest costs. If you carry a balance, the rewards you earn won’t even be close to worth it. 

Customer Experience

Department Stores National Bank—the bank that issues the Macy's Credit Card—is a subsidiary of Citibank. However, this bank hasn’t been part of any broad credit card satisfaction studies conducted by J.D. Power and others. 

Consumer reviews for Department Stores National Bank run the gamut from good to downright poor. One review website reports an average rating of 3.6 stars out of 5, but the reviews themselves are all over the place. Some customers say Department Stores National Bank is unethical and uses deceptive practices, while others give the bank rave reviews. 

Cardholders manage their accounts online through a Macy’s account rather than a dedicated credit card account management system. Automated customer service is available 24/7; person-to-person customer service is available during select hours. 

Department Stores National Bank doesn’t have a mobile app to help consumers monitor their purchases or payments, nor do they offer any perks like a free credit score on account statements. 

Security Features

Department Stores National Bank does not offer many of the security features traditional, non-store credit card issuers offer such as fraud alerts or credit report monitoring.

Macy's Credit Card’s Fees

While the fees for this card are standard among store credit cards, watch out for the high interest costs you’ll pay if you carry a balance.

For Macy's® Credit Card‎

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overall rating
3.3
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
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  • Regular APR (%) 27.24% variable
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Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.