Most shoppers know that Macy’s runs countless sales, but enrolling in a store credit card can push those discounts even further. The chain issues two cards Macy’s Store Credit Card and the Macy’s American Express Card-and both sit inside the Star Rewards program. Selecting the right one fine-tunes your rewards and speeds up the points you collect toward future purchases.
Let’s explore these Macy’s credit card options to help you decide which one suits your lifestyle best.
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How to Maximize Your Savings at Macy’s with Credit Cards
Macy’s Store Credit Card: What You Need to Know
The Macy’s Store Credit Card combines store loyalty with credit card benefits. You can swipe it at every Macy’s location, at Backstage, or online at macys.com. Each dollar spent stacks Star Rewards points that quickly turn into savings of Macy’s coupons at checkout.
- Perfect for: People who shop regularly at Macy’s, Backstage, or the website.
- Rewards earned: Earn up to 5% back as Star Rewards.
- Additional perks: Receive a 20% off welcome Macy’s coupon, special birthday treats, and regular 25% off Star Pass days.
- Annual Percentage Rate (APR): 25.24%
- Joining is easy: Simply apply online; approval depends on your credit score.
Macy’s American Express Card: Additional Flexibility and Benefits
Macy’s American Express Card lets you shop far beyond the department store. Its acceptance at thousands of restaurants, supermarkets, gas stations, and independent shops means you can carry one card for most daily expenses. Better yet, each swipe before, during, or after a holiday sale still adds points to your Macy’s Star Rewards account.
- Perfect for: Shoppers who want credit-card perks while living life away from the mall.
- Rewards earned: Up to 5% back on Macy’s buys, 3% on dining, 2% at gas pumps and grocery aisles, 1% everywhere else.
- Additional perks: Birthday bonus, a welcome 20% off first purchase, and repeated 25% Star Pass coupons throughout the year.
- Annual Percentage Rate (APR): 25.24%.
- Signing up: Complete a short form online, and approval depends on your credit history.
Both the Macy’s card and this Amex Card turn ordinary spending into real savings through Star Rewards and ongoing in-app discounts. Be sure to check the sale calendar and online Macy’s Coupon Codes before every trip.
About Macy’s Credit Cards
Macy’s cards mostly act as store accounts and work only inside their locations and website. The Macy’s American Express is the big exception; that one earns rewards on gas, groceries, and meals out, too. On every purchase, you still get up to 5 % back through the Star Rewards scheme. Applying is quick, free, and granted only if your credit report clears the review.
Enjoy Macy’s Additional Savings
Macy’s New Account Discount
Start a Macy’s Credit card today and save 20% on the first two days, up to $100 off anything in-store or online.
Macy’s Birthday Rewards
Celebrate your month with an extra surprise as long as your info is current and you shopped within the last year.
Macy’s Newlywed Discount
Still saving after the wedding? Register the marriage and snag 20% off remaining gifts (10% on furniture, mattresses, and rugs) for six months. Use the Macy’s Promo Code online or mention it in-store as many times as you need.e.
Macy’s Sales
Big events like One-Day, Black Friday, and Cyber Monday, plus hundreds of pop-up markdowns, give fresh chances to save throughout the year. Keep an eye on the sale calendar.
Understanding Macy’s Star Rewards
Anyone who spends at Macy’s can rack up Star Rewards points and trade them for instant discounts called Star Money. You get ten dollars off your future purchase for every thousand points earned, and the credit is good for thirty days once issued. Cardholders start at Silver automatically, while everyone else can sign up for Bronze without spending any money. Higher spending elevates your tier, unlocking greater rewards:
- Bronze (no card or spending minimum): 1% back on every dollar spent, random bonus points offers, small treat on your birthday.
- Silver ($1–$499 spent annually): 2% back, 25% off a Star Pass, a little present at birthday time.
- Gold ($500–$1,199 spent annually): 3% cashback, free shipping, same 25% Star Pass discount, birthday thanks.
- Platinum ($1,200+ spent annually): 5% back, no-charge delivery, 25% Star Pass, and the annual birthday gift.
All About Macy’s One-Day Sales
Everything You Should Know About Macy’s One-Day Sales
Macy’s One-Day Sales pop up roughly once a month, usually right at the start. Even though the event carries a one-day label, it normally stretches over two days, kicking off Friday morning and running through Saturday evening. During the sale, huge price cuts flood almost every department- clothing, beauty supplies, home goods, and electronics alike.
Saving Tip: To squeeze even more out of these deals, join the Star Rewards program. Sign-up is quick, costs nothing, and only needs a moment for store approval.
Keep an eye on the calendar for the next One-Day Sale, and in the meantime use regular Macy’s coupons to trim your bill.
Macy’s Discounts and Rewards at a Glance
When you need clothes, home decor, or last-minute gifts, Macy’s pretty much has it all. Better still, shoppers seldom pay full price, regular sales and a solid rewards program keep the savings coming. Use these tips to unlock those deals every time you shop.
Frequently Asked Questions About Macy’s Credit Cards
Are Macy’s Credit Cards Worth It?
Yes, especially if you step inside the store more than once a season. Day-to-day chores like grocery runs and lunch out dial up points that translate into dollars the next time you need towels or tights. Frequent Star Pass events also exclude select brands from the usual price holdout, meaning designer makeup or fragrance you love finally drops to a level your wallet will cheer for.
Where Can Macy’s Credit Cards Be Used?
Your usage depends on your card choice. Macy’s Store Credit Cards (Silver, Gold, Platinum) are limited to Macy’s, Macy’s Backstage, and Macys.com. The Macy’s American Express Card can be utilized wherever American Express is accepted globally.
How to Apply for Macy’s Credit Cards?
Applying is easy, done online, and costs you nothing. Most applicants hear back within a week, although timing depends on your credit profile.
Required Credit Score for Macy’s Credit Cards?
You usually need a fair score of around 640 for the Macy’s Store Card. To snag the Macy’s American Express card, aim for good or better-roughly 700 and up.
What is the Macy’s Star Rewards Program?
Star Rewards lets you gather points with every dollar you spend. Once you hit 1,000 points, you swap them for $10 in Star Money to use on future visits. Members also score 25% Star Pass coupons that pop up between sales.
Can You Upgrade Your Macy’s Store Card to American Express?
Yes! It’s completely free to upgrade. When the upgrade clears, all your points, tiers, and balance move over. Until your new card arrives, keep using the one you already have.
How Do I Cancel My Macy’s Credit Card?
Cancelling your Macy’s credit card is simple. Just call 1-800-289-6229 and follow the steps to close your account.
