Looking for Macy's Credit Card Alternatives?

Is your favorite little black dress not quite doing it for you anymore? Or maybe you're searching for the perfect gift for that special someone. Whether you're in need of clothes, household goods, jewelry, perfume - even furniture, you're sure to find it at Macys. The department store, famous for its Thanksgiving Day Parade, offers two different store-branded Macys credit cards to help finance all your purchases. Macy's cardholders get Star Rewards passes that give them access to special sales and discounts all year long.

CARD for FAIR CREDIT
Milestone® MasterCard® with Free Choice of Card Image
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Less than perfect credit is okay

 
Consumer Rating: 4 / 5
CARD for BAD CREDIT
Surge MasterCard®
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Fast and easy application process; results in seconds.

Monthly reporting to the three major credit bureaus.

 
Consumer Rating: 4 / 5

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How to compare card offers 1. Check the most attractive cards in the tables below
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3. Compare checked cards, select the best one and apply online.
Card Name
Credit History
Intro APR Purch.
(Intro Period)
APR %
Annual Fee
Apply
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Fair
N/A 15.65% - 24.15% Variable $0 - $99
 
Consumer Rating: 5 / 5
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
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Bad
n/a 0.00% See Terms
 
Consumer Rating: 4 / 5
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
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Bad
n/a 25.15% $0
 
Consumer Rating: 4 / 5
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
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Any
n/a 0.0% $49
 
Consumer Rating: 4 / 5
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
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Macy's Card: the Way to Reach a Star

Whether you have the Macy's American Express card or the regular Macy's store credit card, you'll get promotional offers worth hundreds of dollars each year.

Wondering what the difference is between the Macy's store card and the American Express version? The Macys credit card can only be used in the department store to buy Macy's merchandise, while the American Express version is accepted anywhere that takes AmEx.

Before you apply for Macys credit cards, be aware that there are two different types of Macys applications available for the American Express version. The basic Macy's American Express card gives cardholders savings on dining and entertainment as well as shopping. The Macy's Preferred American Express card also offers travel rewards. Be sure to apply for Macys credit card that is right for you.

The cards all come with plenty of benefits. The Macy's American Express card offers more flexibility than the store credit card, but both cards offer Star Rewards. Rewards are mailed to cardholders and are worth either a percentage off your purchase, such as 10% or 20% off any

purchase with no minimum amount required, or a set dollar amount off any purchase. Dollar amounts can be anywhere from $5 to $50 off depending on the time of year and the particular promotion. There are also sales for cardholders throughout the year.

When you fill out your Macys online applications for either card, you'll receive sign-on bonuses that vary throughout the year, but are great opportunities to save on that big purchase you've been waiting to take the plunge on - or just an afternoon of retail therapy.

To apply for a Macy's store card, you'll need to either go to a department store location or fill out a Macys online application. If you want to apply for the American Express card, you will need to go to a Macy's location, as these applications are not available online. Once you fill out your Macys application you can use it right away.

You can easily fill out a Macys credit card application online or in the store while shopping. Your sign-on bonus savings can be applied immediately. Watch for the discount on your first card statement.

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