Review: Macy’s Credit Card

macys-credit-cardsMacy’s, via its Division Shops Nationwide Financial institution division (partnered with Citibank), gives two different credit cards:

  • The usual Macy’s Credit Card can solely be used to make purchases at Macy’s shops or on-line at
  • The Macy’s American Categorical Card can be utilized at Macy’s or anyplace else American Categorical is accepted.

You possibly can apply for the usual Macy’s Credit Card on-line or at a Macy’s retailer. You possibly can solely apply for the Macy’s American Categorical Card at a Macy’s retailer location, or by request after you’ve been accredited for the usual Macy’s card. On the whole, the Macy’s retailer bank card is less complicated to qualify for than the American Categorical card.

The large query of this assessment is: must you get a Macy’s bank card in any respect?

The reply is: possibly.

If you happen to EVER carry a stability in your bank cards, we’d advise you to not get a Macy’s bank card. Final we checked, each Macy’s bank cards had a loopy excessive 25.49% rate of interest. If you happen to carry a stability on both card, you’ll pay A LOT of curiosity in your purchases, and that’s simply not price it.

Nevertheless, if you’re little bank card person who at all times pays your invoice in full and on time, the Macy’s bank cards have some respectable rewards. Specifically, you get a pleasant upfront goodie — in case you get on the spot approval in your utility, you should use the cardboard at the moment (even earlier than you’ve the bodily card) and get 20% off your Macy’s purchases at the moment and tomorrow.

In any other case, no freebies with this card, so it’s best for the frequent Macy’s shopper who is probably going to make use of the low cost gives which can be the majority of the rewards program. The Star Rewards program is a staggered bonus program that gives you higher rewards based mostly on the quantity of spending you do at Macy’s with the cardboard. Most of those rewards come within the type of reductions, with extra spending equaling extra low cost gives.

You possibly can apply for the Macy’s retailer card by way of this online application. Go to a Macy’s store in case you’d like to use immediately for the Macy’s American Categorical Card.