Macy's Credit Card: Sign On (2024)

FAQs

How hard is it to get approved for a Macy's credit card? ›

You need good or excellent credit (700 or higher) to get the Macy's Amex, and at least fair credit (640 or higher) to get the Macy's Store Card.

As usual, your chances of getting a credit card at Macy's will depend on your credit score. The minimum required score for this card is 640. Other factors that the issuer will consider include stability of income, debt-to-income ratio, and frequency of credit inquiries.

Chip Lupo, Credit Card Writer

The highest level Macy's credit card is the Macy's American Express Credit Card, especially when paired with the Platinum tier of the Macy's Star Rewards loyalty program. Platinum-level Macy's Amex cardholders earn 5 points / $1 spent on eligible Macy's purchases.

The Macy's Credit Card is hard to get because it requires good credit for approval, which means you need a credit score of 700+ to have good odds of being approved. This requirement may be difficult for the average American to meet. On top of that, you'll need to have a steady income and meet a few other requirements.

If you're interested in the Macy's Store Card, you should know the initial credit limit ranges from $100 to $1,200, according to forum posts.

No, you will probably not be able to get a Macy's Credit Card with bad credit, as the card requires at least good credit for approval. Getting approved for the store version of this card, the Macy's Store Card, is also unlikely because it requires at least fair credit.

Macy's requires a credit score of 650 and over. DSNB reports your account to the major reporting bureaus: Experian, Equifax, and TransUnion. Macy's credit card holders can expect to see the entry on their report at the end of every billing period.

Yes, the Macy's Store Card will do a hard pull. You will need a credit score of 640+ to get it. This means that the Macy's Store Card requires fair credit, which is on par with what most store cards require.

Department Stores National Bank (“DSNB”) is the issuer of the Macy's Store Card. For each account with a balance, a minimum payment will be required and you may incur a late fee if you fail to make any required minimum payment on time. The Macy's Store Card may only be used to make purchases at Macy's and macys.com.

Applicants can check their Macy's Credit Card application status by calling (888) 257-6757. When you call, you'll need to provide your name and Social Security number so that Department Stores National Bank can match you to your application.

What is the difference between Macy's credit card and Macy's American Express card? ›

There are two main versions of the Macy's credit card: a closed-loop card that you can only use at Macy's and an open-loop American Express card that can be used anywhere American Express is accepted. Neither card comes with an annual fee.

Macy's Credit Card Disadvantages

High APR: The Macy's Credit Card has a relatively high APR, at 34.49% (V). No 0% APR on purchases: The Macy's Credit Card does not currently offer a 0% APR promotion on purchases, so it is not good for people looking to finance big purchases.

Suggested credit score

Most applicants who are approved for a Macy's Credit Card have a FICO® Score of 600 or higher. If you're aiming for the Macy's American Express® Card, you'll likely need a score of at least 670; ideally, your score should be 700 or higher.

But department stores, focused on America's middle class, are fading. But to retail analyst Neil Sauders of GlobalData, the key problem for Macy's and many other troubled department store chains is more fundamental: Company management did little to update their offerings to compete with new rivals over the years.

You cannot qualify for a Macy's Store card pre-approval. You can, however, get approved within minutes if you apply online or at a Macy's store. Keep in mind, though, that applying for a credit card will most likely result in a hard inquiry on your credit, lowering your score for a short period of time.

Department Stores National Bank (“DSNB”) is the issuer of the Macy's Store Card. For each account with a balance, a minimum payment will be required and you may incur a late fee if you fail to make any required minimum payment on time. The Macy's Store Card may only be used to make purchases at Macy's and macys.com.

Macy's requires a credit score of 650 and over. DSNB reports your account to the major reporting bureaus: Experian, Equifax, and TransUnion. Macy's credit card holders can expect to see the entry on their report at the end of every billing period.