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    Por favor, tenga en cuenta que es posible que las comunicaciones futuras del banco, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos de cuentas, estados de cuenta y divulgaciones, así como cambios en términos o cargos o cualquier tipo de servicio para su cuenta. Además, es posible que algunas secciones de este website permanezcan en inglés.


    Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account. Additionally, some sections of this site may remain in English.

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MACY'S CREDIT CARDS

No annual fee1

Earn points towards rewards when you shop with a Macy's card

Already have a card? Sign On to manage your account.
1Important Pricing & Terms Information +
Apply today, Shop today

Open a Macy's Card and get 30% off macys.com purchases today and tomorrow2. Discount in store varies. Save up to a total of $100 over the two days.

Subject to credit approval.

Everyday Shopping at Macy's

Earn Pointswith a Macy's Card2

2 points per $1 spent for Silver members

3 points per $1 spent for Gold members

5 points per $1 spent for Platinum members

Shop with a Macy's American Express Card

Earn more points outside of Macy's2

3 points per $1 spent at restaurants including delivery.

2 points per $1 spent at gas stations and supermarkets.

1 point per $1 spent everywhere else.

New credit cards are opened at Silver status. Cardholders can access Gold status with $500 - $1,199 annual spend at Macy's with their Card and Platinum status with $1,200+ annual spend at Macy's with their Card.

1,000 points = $10 in Star Money. Use it on anything at Macy's except gift cards, services & fees.2

2Additional Information +

COMPARE CARDS

Cards Comparision
Macy's American Express® CardMacy's American Express® CardMacy's Credit CardMacy's Credit Card
Cards Comparision

Earn points on every Macy's purchase (except gift cards, services and fees). 1,000 points = $10 in Star Money to use at Macy's.2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card included

Star Money Bonus Days
Shop during these exclusive times to earn rewards faster.2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card included

Member Exclusives
Earn bonus points when you shop brands you love & more.2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card included

Star Passes
We’re talking special savings, just for cardholders.2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card included

Birthday Surprise
We’ll send a little something sweet to celebrate you.2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card included

Silver members get Free Shipping at $25, Gold & Platinum members get Free Shipping with no minimum, with a Card at Macy's2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card included

No Annual Fee1

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card included
Cards Comparision

Get more benefits outside of Macy's with a Macy's American Express Card

Get more benefits outside of Macy's with a Macy's American Express Card

3 points per $1 spent
at restaurants including delivery2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card not available

2 points per $1 spent
at gas stations and supermarkets2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card not available

1 point per $1 spent
everywhere else2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card not available

Presale tickets2
to shows, sporting events and concerts.

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card not available

Bonus travel upgrades and savings2

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card not available

Amex Offers2
to save on shopping, dining & more

Macy's American Express<sup>®</sup> CardMacy's American Express® Card includedMacy's Credit CardMacy's Credit Card not available

MACY'S CREDIT CARD BENEFITS


No Annual Fee1


It's Easy to Manage your Account Online

Check your balance and available credit, review your statement, make a payment and more. It’s easy to manage your account with our online portal.


Macy's App

Tap into rewards and more with the Macy's App.


Macy’s Pay

Quickly pay in stores with the Macy’s app – no cash or card required.


Amex Offers2

Save with special offers on shopping, dining & more.


Entertainment

Get early access to premium tickets for concerts, theater, sports and more, all year round.


Travel Benefits

Unlock exclusive travel benefits with your card.

HOW THE MACY'S CREDIT CARD WORKS2

  1. Use your Macy's Card on purchases at Macy's stores, Macy's Backstage or macys.com.
  2. Earn points on eligible purchases.
  3. Points add up to Star Money that you can use to purchase merchandise at Macy's, Macy's Backstage, or macys.com.

MACY'S CREDIT CARD FAQs

Expand All
The Macy's Credit Card is a store credit card that lets you earn points when you use it for purchases at Macy's. The Macy's Credit Card offers 2 points per $1 spent for Silver members, 3 points per $1 spent for Gold members, and 5 points per $1 spent for Platinum members.
The Macy's American Express® card can be used anywhere American Express® is accepted, It offers all the benefits of the Macy's store credit card and some bonus features. When you shop outside of Macy's you can get 3 points per $1 spent at restaurants, including delivery, get 2 points per $1 spent at gas stations and supermarkets, and get 1 point per $1 spent everywhere else.2
Once you reach 1,000 points, you’ll receive $10 in Star Money and can redeem your Star Money on Macy's merchandise.2
The Macy's Credit Card can only be used to purchase merchandise at Macy's stores, Macy's Backstage or macys.com. The Macy's American Express® Card can be used at all merchants that accept American Express® cards.
Use Citi’s online application to apply for a Macy's Credit Card or visit any Macy's store. When you apply, we will consider you for both the Macy's Credit Card and the Macy's American Express® Card. If you’re approved for both cards, you can select which card you prefer.
Macy's Credit Cards have no annual fee.1
You can check your Macy's Credit Card balance from the “Macy's Credit Card” option in your Macy's profile.
You can use a Macy's American Express® Card to purchase merchandise at Macy's, Macy's Backstage, or macys.com and outside of Macy's everywhere American Express® cards are welcome.
Yes, you can use your Macy's American Express® Card internationally wherever American Express® is accepted. You will be charged a foreign transaction fee of 3% of each purchase transaction in U.S.dollars.1

MACY'S CREDIT CARDS

FIND THE RIGHT CREDIT CARD FOR YOU

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MACY'S CREDIT CARD PRICING DETAILS

Macy's Card - As of December 24, 2024, Purchase APR: % - % (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $. See Credit Card Agreement for details.

Macy's American Express Credit Card – As of December 24, 2024, Purchase and Cash Advance APR: % - % (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $. Cash Advance Fee: The greater of $ or % of the amount of each cash advance. Transaction Fee for Purchases in Foreign Currency: % of the U.S. Dollar amount of each purchase. See Credit Card Agreement for details.

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Additional Information - Macy's Credit Cards

New Account Discount:

Subject to credit approval. New accounts only. The new account discount (the "New Account Discount") is a limited time discount valid on merchandise purchases made at Macy's, Macy's Backstage and macys.com charged on your new Macy's Credit Card. Applicants who qualify for immediate approval are eligible to receive a New Account Discount (the "Standard Discount") of 20% off eligible merchandise purchases made with the card in Macy’s stores, and 30% off eligible merchandise purchases on macys.com on the day you're approved and the following day and limited to a total of $100 over the two days. From time to time, we may offer a promotional discount instead of the Standard Discount that varies in discount percentage, savings limit, and/or duration from the Standard Discount (the "Promotional Discount"). The availability of each Promotional Discount offer along with the discount percentage, savings limit and duration will be disclosed at the time each Promotional Discount offer is made. When a Promotional Discount is offered you will receive the Promotional Discount and not the Standard Discount. The New Account Discount may not be applied to previous purchases. The New Account Discount does not apply to services, select licensed departments, Apple products, smart watches/jewelry and select tech accessories, Gift Cards, restaurants, gourmet food and wine. Applicants must qualify for immediate approval to receive the New Account Discount; applications requiring further processing will not receive the New Account Discount. The New Account Discount does not apply to upgrades of a Macy's Credit Card to a Macy's American Express Card. Employees of Macy's and its affiliates are not eligible. For your convenience and record keeping, the New Account Discount will appear on your statement. It will not appear on your register receipts or during checkout on macys.com.

Loyalty Status:

New Credit Cards are opened with Silver status. Purchases on your Macy's Credit Card at Macy's in the previous full calendar year, less returns, credits, discounts, and adjustments, will be used to calculate your status for the next year. Macy's Credit Cards will be upgraded to Gold status 7 days after reaching a net spend of $500-$1,199 at Macy's on your Macy's Credit Card. Macy's Credit Cards will be upgraded to Platinum status 7 days after reaching a net spend of $1,200 or more. Credit Cards that are upgraded will remain at that level for the remainder of the current calendar year.

2 Points per $1 Spent (Silver):

Macy's Credit Cards with Silver status earn 2 points per $1 spent on Rewards-Earning Purchases at Macy's, Macy's Backstage, and macys.com with a Macy's Credit Card, less returns, credits, discounts, and adjustments. Points are not earned on purchases made outside of Macy's, Macy's gift cards, services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), in any department that does not use a Macy's point of sale register, fees, sales tax, when redeeming Star Money, Macy's Rewards Cards or Macy's gift cards, or when paying with a virtual wallet other than a Macy's wallet, even if you’re paying with a Macy's Credit Card in the virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

3 Points per $1 Spent (Gold):

Macy's Credit Cards with Gold status earn 3 points per $1 spent on Rewards-Earning Purchases at Macy's, Macy's Backstage, and macys.com with a Macy's Credit Card, less returns, credits, discounts, and adjustments. Points are not earned on purchases made outside of Macy's, Macy's gift cards, services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), in any department that does not use a Macy's point of sale register, fees, sales tax, when redeeming Star Money, Macy's Rewards Cards or Macy's gift cards, or when paying with a virtual wallet other than a Macy's wallet, even if you’re paying with a Macy's Credit Card in the virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

5 Points per $1 Spent (Platinum):

Macy's Credit Cards with Platinum status earn 5 points per $1 spent on Rewards-Earning Purchases at Macy's, Macy's Backstage, and macys.com with a Macy's Credit Card, less returns, credits, discounts, and adjustments. Points are not earned on purchases made outside of Macy's, Macy's gift cards, services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), in any department that does not use a Macy's point of sale register, fees, sales tax, when redeeming Star Money, Macy's Rewards Cards or Macy's gift cards, or when paying with a virtual wallet other than a Macy's wallet, even if you’re paying with a Macy's Credit Card in the virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued that is valid for 30 days. Star Money expires 30 days after issuance.

Star Money Bonus Days:

On Star Money Bonus Days, Star Rewards members with the designated loyalty status or statuses may earn points on Macy's purchases at a level as described at the time an offer is made. Macy's is under no obligation to offer any particular number of Star Money Bonus Days.

Birthday Surprise:

The primary Cardholder on a Macy's Credit Card and Bronze members will receive a birthday surprise during their birth month. The value of the birthday surprise may vary for each member. Purchase may be required. To receive a birthday surprise, you must have made a purchase at Macy's or macys.com on your account or with your membership in the past 12 months. We must have your current address and you must not have opted out of receiving marketing mail from Macy's as of the date we prepare Birthday mailings. You may need to visit a Macy's store to receive your birthday surprise.

Member Exclusive Offers:

From time to time, Macy's Cardholders and Bronze members may receive member-exclusive perks and offers when they shop with their Macy's Credit Card or Star Rewards membership. The value of each perk and offer may differ and there is no guarantee of a certain number. Purchase may be required and perks and offers may be good for a limited time.

Star Pass Coupons:

Exclusions apply and are disclosed on each Star Pass. We must have your current address and you must not have opted-out of receiving marketing mail from Macy's as of the date we prepare Star Pass mailings.

Free Shipping at $25:

Offer applies to standard shipping to one location in the contiguous U.S. and may be applied to premium or overnight shipping or same-day delivery for an upgrade fee. Minimum required spend excludes gift wrap charges, purchases of gift cards and tax. A $10 shipping surcharge on domestic orders applies to customers living outside the contiguous United States: Hawaii, Alaska, Puerto Rico, Guam, American Samoa, Micronesia, Marshall Islands, North Mariana Islands, Palau and U.S. Virgin Islands. Shipping offer does not apply to furniture, mattresses, rugs, or prior purchases. Free shipping of purchases in Macy's stores applies when you are shopping in a store that does not stock a particular item but it is available at another store and payment is made with a Macy's Credit Card with Silver status. Due to size and/or weight, certain items bear a shipping surcharge, which will still apply.

Free Shipping:

Offer applies to standard shipping to one location in the contiguous U.S. and may be applied to premium or overnight shipping or same-day delivery for an upgrade fee. A $10 shipping surcharge on domestic orders applies to customers living outside the contiguous United States: Hawaii, Alaska, Puerto Rico, Guam, American Samoa, Micronesia, Marshall Islands, North Mariana Islands, Palau and U.S. Virgin Islands. Shipping offer does not apply to furniture, mattresses, rugs, or prior purchases. Free shipping of purchases in Macy's stores applies when you are shopping in a store that does not stock a particular item but it is available at another store and payment is made with a Macy's Credit Card with Gold or Platinum status. Due to size and/or weight, certain items bear a shipping surcharge, which will still apply.

3.2.1 Points per $1 Spent:

Get 3 points per $1 spent on your Macy's American Express Card at restaurants. Restaurants are defined as stand-alone merchants in the U.S. that primarily serve food. Purchases made at a restaurant located within another establishment will not qualify for points. Get 2 points per $1 spent on your Macy's American Express Card at gas stations and supermarkets. Gas Stations are defined as stand-alone merchants in the U.S. that primarily sell gasoline. Superstores, supermarkets, convenience stores and warehouse clubs that sell gasoline are not considered gas stations. Supermarkets are defined as stand-alone merchants in the U.S. primarily selling supermarket products, excluding superstores and warehouses. Macy's American Express Cardholders will receive 1 point per $1 spent on all other qualifying purchases made when using the Macy's American Express Card outside of Macy's. The following transactions do not earn points when using the Macy's American Express Card outside of Macy's: cash advances, money orders and other cash equivalents. American Express determines the industry category for merchants, but Macy's reserves the right to determine which purchases qualify for points.

Travel Benefits:

Macy's Travel Benefits brought to you by American Express with offers from participating American Express merchants. Travel Benefits program may be terminated at any time. Individual offers are subject to change and offer expiration dates vary. Complete terms and conditions are available at www.macyspreferredtravel.com

Entertainment Access:

Offer valid in select cities. During the specified sales period, tickets are available to all Macy's American Express Cardholders. Tickets must be purchased with a Macy's American Express Card. Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Cardholders with disabilities.

Amex Offers:

American Express Travel Related Services Company Inc. is solely responsible for these offers, and is not affiliated with Macy's Inc., Citibank, N.A., or their affiliates. All offers are subject to terms and conditions. Visit  www.amexoffers.com/partnerterms  for details.

Star Money Rewards:

Once you accumulate 1,000 points, a $10 Star Money reward will be issued. Star Money may be used to purchase merchandise at Macy's, Macy's Backstage, or macys.com, but can’t be exchanged for cash or used: to purchase Macy's gift cards; for services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.); in any department that doesn’t use a Macy's point of sale register; for any purchase that will be shipped outside the U.S.; or as payment on any credit account. To redeem a Star Money reward on orders of furniture and mattresses on macys.com, you must call Macy's Customer Service. Star Money may not be redeemed in a Macy's store if you use an electronic wallet other than a Macy's wallet or self-checkout. Star Money is valid for 30 calendar days from issuance. Purchases made solely with Star Money will not receive discounts available with cardholder savings offers, which require payment with a Macy's Credit Card. If your Macy's Credit Card Account is closed by you or us, or you fail to make a qualifying purchase on your Macy's Credit Card account during any consecutive 12-month period, all points and any unused Star Money will be forfeited.

Macy's may change or terminate the program at its discretion without notice. If you are a Macy's Credit Cardholder, your Macy's Credit Card must be open and not delinquent to receive benefits. See the Macy's Star Rewards Terms & Conditions at macys.com/starrewardsterms for complete program details.

American Express is a federally registered service mark of American Express and is used by Citibank, N.A pursuant to a license. The Macy's American Express Card program is issued and administered by Citibank, N.A.