Macy’s Credit Cards
Rewards rate
1x - 3x
Points per dollar
Annual fee
None
Additional rates and fees
Annual fee
None
Intro purchase APR
N/A
Regular purchase APR
32.74% (Variable)*
Intro balance transfer APR
N/A
Regular balance transfer APR
32.74% (Variable)*
Cash advance APR
32.74% (Variable)*
Cash advance fee
Either $5 or 4% of the amount of each cash advance, whichever is greater.
Late fee
Up to $41
Penalty APR
None
Balance transfer fee
Either $10 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each purchase transaction in US dollars.
Return payment fee
Up to $41
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- When you apply you will be considered for both the Macy’s American Express Card and the Macy’s Credit Card. If approved for both, you will be able to select the card you want.
- No Annual Fee*
- Get 30% off macys.com today on qualifying purchases*. Store discount varies. Save up to a total of $100 today. Subject to credit approval.
- Earn 2 points per $1 spent when shopping at Macy’s on qualifying purchases with your Macy's card.*
- Earn points when shopping outside of Macy's with your Macy's American Express Card. 3 points per $1 spent at U.S. restaurants, including delivery. 2 points per $1 spent at U.S. gas stations and supermarkets. 1 point per $1 spent everywhere else outside of Macy's.*
- 1,000 points = $10 in Star Money to spend on anything at Macy’s (except gift cards, services and fees).*
- Free Shipping at $25 at macys.com with your Macy’s Card.*