What is Macy’s Credit Card?
Macy’s is the largest retail store chain. If you are a frequent Macy’s customer, then this credit card is something you can look forward to. Macy’s credit card is used only in Macy’s stores. Online or offline this card can help you to purchase merchandise from Macy’s. This card can help to avail offers and use them in future purchases. There are two Macy’s Credit Cards – first, Macy’s Credit Card, and second, Macy’s American Express Card.
Macy’s credit card Types and Fees?
Macy’s Credit Card comes in three different types. According to your annual requirement of their products, you get the card. If your yearly requirement ranges between $0-$499.99, you can opt for Macy’s Silver Credit Card. In this Credit Card, you will get three annual star passes. With every Silver Credit Card, you have three benefits: firstly, Star Money Days; secondly, you can avail of different perks and offers, only available for cardholders, and thirdly, you will get a birthday surprise.
If you are a Macy’s products aficionados and if your requirement per year ranges from $500- $1199.99, then this Macy’s Gold Credit Card is the ideal card for you. With this card, you get 6 Annual Star passes along with free shipping of your products.
Then comes the final card called Macy’s Platinum Credit Card. If your annual purchases are more than $1200, then this card is for you. Along with several offers and rewards, you will get 12 annual star passes. In Platinum with every purchase, you get 5% back in rewards from Macy’s.
Perks and benefits of having Macy’s Credit Card-
- No Extra Charge For Annual Fee
- You get benefits from Star Money Days
- Macy’s Star Pass Mailings
- Birthday Surprises
- 5% Back in Rewards (only for Platinum Cardholders)
- Free Shipping (only for Gold and Platinum Cardholders)
- Benefits from Amex (only for Macy’s American Express Credit Cardholders)
- Registry Star Rewards
What is Macys American Express Credit Card? How to use it?
Macy’s American Express Credit Card comes with several benefits. With every 1000 Macy’s Credit Card points, it equals $10. With every spending at restaurants, gas stations, or grocery stores, rewards are multiplied differently. For restaurants, you get 3X per dollar you spend. For Gas Stations and Groceries, you get 2X for every purchase. You get 1X points for other purchases. With every aspect earned, you can efficiently convert it into Star Money Rewards. The moment you reach $10 in reward point, you can avail the Star Money Rewards. The only con of this card is that it expires after 30 days of issuing it. Macy’s American Express Credit Card can be used anywhere, unlike Macy’s Credit Card.
Wondering what STAR PASSES are?
Star passes are 25% off on Macy’s merchandise on a particular day. Cardholders with higher status have more Annual passes every year.
Steps to apply for Macys Credit Card
- Open the website of Macy’s https://www.macys.com/my-credit/gateway/guest
- Register yourself in the Macy’s account. If you are registered, move ahead.
- You would require to tap on “APPLY NOW” under the option asking you to open Macy’s credit card and save 20% off.
- On the next webpage, you will be asked to fill in necessary details like your email address, your full name, and other essential information.
- You will be asked about your financial information. This information will help to understand whether you are capable of having Macy’s Credit Card.
- You are advised to use safe wifi as there will be sensitive details like security number, driving license number, and birth date.
- You have to scan a photo-ID and attach it to the application.
- By clicking the next “VERIFY” option after you have accepted the terms and conditions, it will open an option called “SUBMIT APPLICATION.”
- On average, they take the time of 7-10 days to process an application. After which you will receive an email confirming whether your credit card is accepted or not.
- You will receive your card by post. Make sure you activate it once you receive it.
How to Activate the Macys Credit card?
-
You need to open the website again and tap ” ACTIVATE MY CARD.”
-
Now, you have to enter the details present already on your Macy’s Credit Card.
-
Voila! Your card is activated.
-
You can even activate your card by calling the customer care services at this number 1-888-257-6757, on weekdays you can draw from 9 a.m to 10 p.m EST.
- During weekends the time is 11 p.m to 8 p.m EST.
How to pay Macys Credit Card bill online?
You can access the Macy’s website and tap on the option “MAKE A PAYMENT,” you will be taken to a new webpage, and you will be asked to enter your debit card details or your bank account number.
Best to opt for AUTOPAY if you have a poor memory, as your deadline approaches a certain amount of money is transferred from the bank account to the Macy’s Credit Card. You can even call the customer care service 1-888-257-6757, and it is useful if you have not opted for AUTOPAY do keep an eye on the interest rates as it can affect your credit negatively.
Reviews: Is Macy’s card worth it?
According to reviews received by customers who use the Macy’s Credit Card, they have complained that the customer service is pretty unresponsive most of the time.
The high-interest rates around 26.24% make it worse to carry out your balance by the end of the year.
It has very few rewards as compared to other store Credit cards. You need to buy more to fetch the desired benefits. Macy’s American Credit Card is reasonable as compared to Macy’s Credit Card, but it is better as a cashback reward.
You can join “THANKS FOR SHARING PROGRAM” as you can get 10% off on every Macy’s merchandise, but then it too comes with in-app purchases.
According to the Credit Card Insider, Macy’s Credit Card received two stars out of 5. However, if you are a trendsetter, brand loyalist, deal seeker, or merely a regular aficionado, this card is for you.