This is Macy’s credit card is a card without an annual fee, one of the leading store credit cards which are good for Macy’s shoppers. The Macys American Express Card makes it easy for cardholders to earn discounts and rewards on every spending through the credit card. If you shop regularly from Macy’s, then you need Macy’s Credit Card.
Macy’s Credit Card offers one of the best card rewards programs, in that case, the popular department store offers two credit card options for any kind of retail. There are the Macy’s American Express® Card and the Macy’s Credit Card.
The Macy’s Credit Card is a store card, which means you can only use it at Macy’s shops or online while Macy’s American Express Card is generally acceptable.
What we are saying is that you can make use of Macy’s American Express Card outside Macy’s properties. On this credit card, you will enjoy 1% – 3% back on purchases at supermarkets, restaurants, gas stations among others.
Meanwhile, both card (Macy’s American Express® Card and Macy’s Credit Card) offers up to 5% back in star money rewards on purchase from Macy’s stores or online. You will also enjoy an exact percentage depending on your loyalty status.
You will pay a certain amount on the foreign transactions. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
Good or better credit required. You will have low approval odds if your credit score is below 700.
About Macy’s Store
Macy’s started operating more than 150 years ago in New York, United State of America. Presently, Macy’s has more than 700 stores across the country, it has its Herald Square location being both the largest store in the chain and one of the largest stores in the world.
The Macy’s Credit Card can be used to earn rewards on purchases made in-store, at Macys.com, or through Macy’s Backstage.
The Macy’s card is not ideal for those who frequently pay late or carry a balance, and its limited use might make it unappealing to casual shoppers.
Costs and Fees of MCC
Like most store credit cards, the MCC comes with some fees
====> It has an APR at 27.49%.
====> It has zero annual fee
====> Returned payment fee (up to $38
====> You will be penalized for a late fee, you will be charge up to $38
Pros and Cons of Macy’s American Express Credit Card
This part of the article will run through the good and bad aspects of this credit card. To explore these, you need to read through them.
Pros of MCC
====> You will receive 3% back in rewards from restaurants
====> Annual Cardholders spend at Macy’s: $500-$1,199 Gold & Platinum get free shipping, no minimum, at Macy’s
====> You will get back 2% in rewards from gas stations and supermarkets
====> You will enjoy 1% in rewards with every purchase you make with your credit card
====> Macy’s American Express® Card reports to multiple credit bureaus
====> Every cardholders get 25% off any day with Star Passes
====> On Platinum Members, annual Cardholder spend at Macy’s: $1,200+ Platinum gets 5% back in rewards on merchandise, no exclusions at Macy’s with your Macy’s Credit Card.
Cons of Macy’s American Express Credit Card
====> This credit card requires a good to excellent credit score
====> Does not include any credit card benefit
====> The credit card does not offer a signup bonus compare to other store cards
====> Macy’s credit card has high interest rates
====> It charges a foreign transaction fee of 3%, which is high anyway
Credit Score Need to Apply for Macy’s Credit Cards
The application process is online, and receive a reply within few minutes. As with most store credit cards, you have a better chance of qualifying for the store card if you have a low credit score than you do with American Express.
Many people with scores in the low 500s are able to qualify for the Macy’s store card, but American Express typically requires higher credit scores for its cards. In order to qualify for Macy’s American Express Credit Card, you will need a credit score, at least, in the 700s.
How to Apply for Macy’s Credit Card
You can apply for this credit card in two ways, you either apply through Macy’s store or you complete the form via the online portal. Either of the processes is active and accepted.
When you are at Macy’s store, you can opt to get the Macy’s Credit Card or the Macy’s American Express Credit Card. Whichever is your choice, you will get the same benefits. Macy’s American Express Credit Card can only be requested at the store.
Online Application Process
The online application process is simple and easy to go about. This part of the article will run through the complete application process.
Step 1 ====> You need to visit Macy’s.com
Step 2 ====> On the page, go to the MC-Card section at the bottom of your screen
Step 3 ====> Now, click on the Apply & Learn More option on your left.
Step 4 ====> You will be shown the complete MC-Card Benefits and the different spending levels.
Step 5 ====> You can apply online to the first spending level (Preferred). Click on APPLY TODAY button.
Step 6 ====> Then, you need to fill in the Apply Today Form. You will be given a form to fill. Now provide the following details: Name, Email Address, Address, Phone, Financial Information, Identification, and Date of Birth
Step 7 ====> Terms and Conditions, you need to read the contract with the terms and conditions of your new Macy’s Credit Card. You will be given the details on fees, rates and any costs you should be aware of. It is important that you go through this section to avoid future penalties or charges.
Step 8 ====> Submit Application, once you have all the information, it is time to submit your request. You will receive an email with the electronic documents and contract.
Your credit history will be checked against the security number you provided to approve the credit line. Once your credit is approved, you will receive an email confirmation.
Macy’s American Express Card Login Detail
Now that you complete your application process, you need to log in to your online account to explore more about the credit card. This process is simple and easy to go about.
Step 1 ====> You need to visit the official login page for Macy’s credit card.
Step 2 ====> On the page, enter your login details (Username and Password) in the space provided.
Step 3 ====> Finally here, click on the Sign In button to log in to your online account.
How can I activate My Macy’s American Express Credit Card
Without activation, your credit remains useless, it is just a plastic card. Once you activate Macy’s store card, you will be able to use your card.
You can activate your Macy’s American Express Credit Card online. Just go to the Macy’s Credit Card section at the bottom of your screen
Then, select the My Macy’s Credit Card option on your left. At the bottom of your screen, you will see the Activate your Macy’s American Express Card option. Click on the button ACTIVATE CARD to continue.
Fill the form with this information: Card Number, Name as it Appears on Your Card, Security Code, and last 4-digits of your SSN.
NOTE: It is advisable before you fill this form that you activate My Wallet to get all Star Passes benefits automatically. You can do it later, but you will need to fill an additional form.
Forgot Your MCC User ID or Password
In case you forget your login details, you don’t need to worry. You can reset and retrieve your login details through the link on the official website.
Step 1 ====> You need to visit the login page.
Step 2 ====> On the page, locate and click on forgot your password link, this link is available below the sign-in menu.
Step 3 ====> Enter your email address registered with Macy’s.
Step 4 ====> Then complete the captcha challenge.
Step 5 ====> Click on the red colored Continue. You will receive a link to reset the password within a few minutes.
Step 6 ====> Follow the link instruction to complete the process
How to Make Payments for the MC Card
The best you could get from your credit card is the ability to pay your bill with ease. That is one of what you will enjoy from Macy’s American Express Card and Macy’s credit card.
You will be able to pay your bill through various means while using the credit card. This part of the article will run through various payment processes.
How can I pay my Macy’s Credit card using MyCheckFree.com?
To use MyCheckFree.com, you need a valid checking account from the USA. Then, get MyCheckFree.com service by logging in to their website. You can choose to pay your Macy’s Credit Card from there.
Mail Payment Process
To send your payment via mail, this process could be a delay, therefore you need to send your payment a few days before the due date. Send your account number along with your payment to one of the following addresses:
Macy’s Payment Department
6716 Grade Lane
Bldg. 9, Suite 910
Louisville, KY 40213
PO Box 9001094
Louisville, KY 40290-1094
If you are a Macy’s American Express Credit Cardholder, then send your payment to:
Macy’s American Express Account Payments
PO Box 9001108
Louisville, KY 40290-1108
Macy’s Credit Card Phone Payment Process
Before you pay your bill via the phone, you need to have the follow available.
Get your Macy’s Credit Card.
Your deposit accounts from a US bank.
Then, call 1 888 257 6757 and you will be requested the previous information to issue your payment.
Macy’s American Express Card FAQ
Does Macy’s American Express Card have a cashback or Rewards Program?
No, it does not offer a rewards program.
Does Macy’s American Express Card have an Intro APR offer on Balance Transfers?
No, it does not come with an intro APR offer for balance transfers.
What are the Relevant APRs for Macy’s American Express Card?
It has a variable purchase APR of up to 27.24%.
The card has a variable cash advance APR of up to 27.24%.
Does Macy’s American Express Card have an Intro APR offer on New Purchases?
This card does not offer an intro APR rate on new purchases.
Does Macy’s American Express card have a Foreign Transaction Fee?
Macy’s American Express card charges a foreign transaction fee of 3%. If you travel abroad you may want to leave this card at home and apply for one that doesn’t charge foreign transaction fees.
What is the Support Contact email for Macy’s American Express Card?
The support contact email for Macy’s American Express card is firstname.lastname@example.org.
What is the Customer Service Phone Number for Macy’s American Express Card?
Macy’s American Express card customer service number is 800 950 5114.
Does Macy’s American Express® Card Report your Account Activity to Credit Bureaus?
Yes, Macy’s American Express® Card reports your account activity to the following credit reporting agencies: Equifax, Transunion, and Experian. Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.