Looking for Macy's Credit Card Alternatives?

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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 EXCELLENT/GOOD CREDIT
Discover it® Miles
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New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*

Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.

Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.

 
Consumer Rating: 5 / 5
CARD for FAIR/BAD CREDIT
Surge Mastercard®
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All credit types welcome to apply!

Monthly reporting to the three major credit bureaus.

Initial Credit Limit of $500.00!* (subject to available credit).

 
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
Discover it® - Cashback Match™
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Excellent, Good 0% (14 months) 11.99% – 23.99% Variable $0
Consumer Rating: 5 / 5
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Credit One Bank® Platinum Visa® for Building Credit
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Fair N/A 16.99% - 24.99% Variable $0 - $99
Consumer Rating: 4 / 5
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Discover it® chrome
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Excellent, Good 0% (14 months) 11.99% – 23.99% Variable $0
Consumer Rating: 5 / 5
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
Horizon Gold Credit Card
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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.
Milestone® MasterCard® with Free Choice of Card Image
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Fair / Good N/A 23.9% $35 - $99*
Consumer Rating: 4 / 5
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
Credit One Bank® Unsecured Visa® - No Deposit Required
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Fair N/A 16.99% - 24.99% Variable $0 - $99
Consumer Rating: 5 / 5
  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
Get Your CARD MATCH
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  • Will Not Affect Your Credit Score
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

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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