preferred Hot Tip: Silver and Gold members CANNOT earn points on everyday Macys purchases they only earn points on Star Money Days. We take your comments very seriously as they really help us to improve the site. Spend $500-$1,199.99, and youll get everything you get at the Silver Level, plus three more Star Passes and free shipping. None of the Macys cards carry an annual fee, which is a big plus for lots of people. We excluded payments made to cover minimum payments to cards with a lower APR than Tally or to cards that were in a grace period at the time of payment. We give you a Tally line of credit at a lower APR, so you can pay off your balances faster, and we make sure all of the cards you register with Tally are paid on time and in the way that saves you the most money. But the bigger problem is that you can only use your rewards AT Macys stores. You wont receive points if you pay with your virtual wallet yes, even if youre using your Macys Card within the virtual wallet. They cannot be redeemed as a statement credit, only towards new purchases. That way, youre not disappointed when you dont get the rewards you think youre owed! Period. 25% OFF (any one day you choose):The terms and conditions dont say much about this, except your 25% off any 1 day you choose happens via a Star Pass coupon. Its important to note that your Star Rewards status is not tied to which credit card you have, but how much you spend at Macys. In addition to utilizing the app to browse merchandise, make purchases, claim discounts, and more, the Macys app can be utilized to manage your credit card and your Star Rewards. Just the name Macys conjures up visions of upbeat ads for clothing and household wares, and memories of Thanksgivings spent watching massive floats parade through the streets of New York City. Your chances of a Macys Amex approval are improved (but not guaranteed) if your score is in the good range. I have the macys amex cc but on my bill it doesnt show a limit for cash advance. At times, Macys will host Star Money Days on top of other storewide sales (i.e. Otherwise, with Silver or Gold status, youll only earn points on specific days vs. everyday (a benefit many other rewards-based credit cards would offer).

Free shipping (with no min purchase):This perk applies to Gold and Platinum members only. An important note about this discount is that its only available for applicants who are immediately approved for the Macys card. RESPECTIVE PERKS FOR EACH STATUS ABOVE, PLUS: Use anywhere American Express is accepted, Your Card allows you to purchase tickets to certain events before (and after) they go on sale to the general public [including], access to advance tickets to concerts, Broadway shows, sporting events, etc., Perks & offers (extra savings, event invites, etc.). Macys also has an American Express version of their credit card thats issued by Citibank as well. Instead, consider these cash-back credit cards that come with generous welcome bonuses and have a 0% introductory APR for 15 months: Alternatively, if you love to travel (or simply want to travel more), the Chase Sapphire Preferred Cardis widely known as one ofthebest travel rewards cards on the market. That depends on which Macys card youre hoping to get approved for. This only applies to the primary cardholder on the account, the value may vary, and a purchase may be required (i.e. What do I do?

The APR will vary with the market based on the Prime Rate. Online management allows users quite a few options in regards to theiraccount: As an alternative to online management, many cardholders may opt for utilizing Macys mobile app (Apple, Android). Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. I have platinum status but didnt spend much this year.

So you should just apply for whatever credit card you think will be the most useful to you. $5 or 4% of each cash advance (whichever is greater), Silver (your automatic placement as a Macys cardholder). The Macys Credit Card is a basic store-branded card issued by Citibank that can only be utilized for purchases at Macys, online at macys.com, and at Macys Backstage. 20% off your purchase of $50 or more). But having credit cards from different issuers does not necessarily help your credit mix per se. Contact customer service over the phone at 1-888-257-6757, or online. Macys will not answer their phone or receive emails. If your application requires further review or processing, youre not eligible for this discount. Whats the best way to avoid fees and penalties? Tally Technologies, Inc. (NMLS # 1492782 NMLS Consumer Access, [See Licenses]). We believe in separating the burden of credit cards from the benefits. Hi Jacqueline Yes, Macys does allow for authorized users to be added to a current cardholders account. (See the Fees & Drawbacks section above for more details.). We compared the total daily interest that would have accrued with and without Tally based on the difference between their credit card APR and the APR for their Tally line of credit. Always act as a responsible cardholder. Email needed if you'd like comment updates. When making a purchase, your Star Money will essentially be redeemed like a gift card. Regardless of which card you have, the rewards you earn will be presented as Star Money, which can only be redeemed at Macys, macys.com, or Macys Backstage. You must pay us for all charges made by authorized users. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. We assumed the borrower received Tally+ discount credit every month. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. If you cant achieve this goal, you should pay off as much as you possibly can on time each month to minimize added expenses. If your account is in good standing and you have made at least 1 purchase with your Macys card in the last calendar year, you should receive a special Birthday Surprise during your birthday month. This site does not include all credit card companies or all available credit card offers. Featured Image Credit:BravoKiloVideo/Shutterstock.com. For each borrower we used: (a) their average APR weighted by their initial credit card balances and APRs; (b) an average monthly payment of 3% of their credit card balance(s); (c) average monthly credit card transactions of 0.8% of their credit card balance(s). Annual fees range from $0 - $300. Accounts that are upgraded will remain at that level for the remainder of the current calendar year as well as the next full calendar year.. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). While getting a 5% discount at Macys stores is generous, the problem is that you need to be a Platinum member ($1,200+ annual spend) to unlock this reward. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Additionally, the reward can be viewed in your macys.com wallet (more about that in the Account Management section below). How to Earn Points), credit card that has 0% introductory APR offers.). Neither Macys nor American Express (or Citibank for that matter) cite the exact qualifications for this upgrade. This site does not include all credit card companies or all available credit card offers that are on the market. But like most store cards, it should be paid in full every month as it carries a significant APR. The new account discount is subject to change; at the time of writing this piece, its 20% off a purchase up to $100 over the first 2 days youre approved for a card. My credit card mix is lacking an Amex and a Citi card. Per their T&C: You may request additional cards for authorized users. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. 5Tally+ Member Discount Tally+ Member Discount: With Tally+ you get discount credits applied to your Tally principal balance each month effectively lowering your annual interest. American Express FAQstates: Enjoy exceptional value and extraordinary service while taking advantage of competitive rates and/or complimentary amenities from thousands of leadings hotels, major airlines, cruise lines, and car rental partners around the world. Click here to see a list of advertisers that we work with. It will NOT be published. So be sure youre doing your research before you opt for this card!

So, are the Macys credit cards worth it? Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. All credit cards have their own fees and drawbacks so how do the Macys cards stack up? You must notify us to withdraw any permission you give to an authorized user to use your account.. If you want to make it even easier, you can add the Macys Credit Card to your Tally account to ensure you never miss a payment again. All Rights Reserved. Does the Macys Star Rewards American Express card come with free shoprunner benefits? Alternative Rewards Credit Cards (Our Recommendations), Login & Online (or App-Based) Account Management. Neither Citibank nor Macys publicly lists the minimum credit score needed for approval on these cards. Your credit mix is based on having different types of credit extended to you, like mortgages, auto loans, and credit cards. You read that right: Star Money days are the only times that Star Rewards Silver and Gold members can earn points. The fastest way to have your question answered would be to call the number on the back of your card. Perks & offers (extra savings, event invites, etc. In this case, cardholders are awarded 5% back on all Macys purchases, on any day. At 27.49%, cardholders can get buried in fees/penalties pretty quickly if they carry a balance in their account. This only applies to the primary cardholder on the account, the value may vary, and a purchase may be required (i.e. Can you use you star rewards to pay on your Macys credit statement? https://www.macys.com/p/thanks-for-sharing/exclusions/. 2Can save $4,185 in 5 years with Tally+ We calculated the savings estimates in March, 2021 based on Tallys records for borrowers who enrolled in Tally from November 2018 through October 2020. Hi. Does Macys give me a soft landing down to gold status next year, or do I go straight back to silver? Its mostly utilized for online orders, but may be applied to in-store items that are not stocked at a particular location. How to Earn Points)How Rewards Are IssuedUsing Your RewardsManaging Your RewardsAdditional Cardholder BenefitsFees & Drawbacks of the Macys CardAlternative Rewards Credit Cards (Our Recommendations)Applying for the Macys CardsLogin & Online (or App-Based) Account ManagementOnline ManagementApp-Based ManagementFinal Thoughts.

These are basically special coupons, invites to pre-sales, exclusive savings events, etc. New account discount:This is basically your sign-up bonus for the Macys Credit Card.

Tally+ members who pay at least the Tally minimum on time each month receive the discount. Within the Macys Star Rewards program, 1,000 points = $10 Star Money. The Macys Credit Card offers great savings and benefits, but the high 27.49% APR can wipe out your discounts if you dont pay your balance in full every month. 5% back EVERY DAY (no merchandise exclusions):As mentioned above, this perk applies ONLY to Platinum members. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Expiration dates DO apply! Even though Macys is a department store with a pretty comprehensive merchandise selection, you dont get as much freedom in regards to utilizing your rewards, especially when restrictions apply. With this card, youll earn 1pt/$1 spent at Macys stores and outside of Macys, plus 2pts/$1 spent on ALL dining and travel purchases, which are very broad categories! If you have a basic Macys Credit Card, it can only be used at Macys, macys.com, and Macys Backstage. When will I receive my new card? On Star Rewards days, Platinum members earn extra bonus points on top of their 5% everyday benefit. below). Like most store credit cards, the Macys Credit Card comes with an APR at 27.49%. Youll also notice that American Express cardholders also enjoy the opportunity to reap travel benefits and entertainment access.. Always pay off your balance in full, on time, each month. Of course, too, the Marcys cards have extremely high APRs, which means youll be paying a lot of interest if you cant pay off your balance in full each month. Macys states that its possible for an individual with a basic Macys Credit Card to eventually be issued an upgrade to the American Express version of the card. Remember, only 1 application is submitted, and the Macys card you receive (basic vs. American Express) is based on your creditworthiness. Youll want to be careful with the high purchase APR, however. Apply for a Macys Credit Card in store or online. Privacy PolicyTerms & ConditionsAccessibility. As always, there are some exceptions to the discount: you cant use it on gift cards, gourmet food and wine, Apple products, smart watches, jewelry, etc. So why doesnt everyone just get the Amex card? You wont receive points if you pay with your virtual wallet yes, even if youre using your Macys Card within the virtual wallet. You can only use a Macys Credit Card in a Macys store or on their website. My card expires in 4 weeks. They should be able to get the points credited to your account if all requirements are met. No, neither the basic Macys store card nor the Macys American Express Card has an annual fee. For credit card/benefits purposes, its important to note that these tiers are not applied for outright they can only be earned through reaching certain spending thresholds. No responsibility will be taken by the bank advertiser for these comments. Macys Credit Card is one of many store cards supported by Tally. Where the Macys American Express Card differs is in the ability to use it anywhere American Express is accepted, AND its additional rewards benefits earned outside of Macys stores. The applicant is first considered for the American Express version of the card, which usually requires a good to excellent credit score. Tally is the fastest and easiest way to eliminate credit card debt. 5% back EVERY DAY (no merchandise exclusions). This site does not include all credit card companies or all available credit card offers that are on the market. I never received my Thanks for Sharing rewards for the 2019-2020 season. Macys hosts several Star Money Day events throughout the year where Star rewards members can earn points (or bonus points if youre a Platinum member) toward Star Money. pay with your actual Macys Credit Card. You can pay your Macys Credit Card balance online, by phone at (888) 257-6757, by mail or in person at any Macys store. As far as I know, Macys does not offer soft landings within its program. Tally is the fastest way to debt-free, making it easier to save money, manage credit cards and pay down balances faster. Hi! Its restrictive.

a card that has no foreign transaction fees. Loans made by Tally pursuant to California FLL license or other state laws. When used smartly, the Chase points youll earn with this card are very valuable. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. So be sure you read your terms and conditions carefully. Another big con of these cards is the inflexibility of their rewards no matter which version you get, you can only utilize your hard-earned rewards at Macys stores, macys.com, and Macys Backstage. This is even the case with regards to the 3-2-1 earnings program associated with the Macys American Express Card. Its mostly utilized for online orders, but may be applied to in-store items that are not stocked at a particular location. Is your cash advance limit set to $0? Hot Tip: To receive any of the above offers, Star Rewards Members must not have opted-out of any of Macys promotional marketing. Birthday surprise New account discount, The above basic benefits Free shipping (no min purchase), The above basic benefits Free shipping (no min purchase) 5% back EVERY DAY (no merchandise exclusions)*, *While it looks like just another emoji in a list, this 5% back every day makes a HUGE difference with this card. In addition, as an Amazon Associate we earn from qualifying purchases. Some basic benefits received with the Macys Amex card are also directly related to the Star Rewards Program status. If youre at Silver or Gold status in the Star Rewards program, you cant earn points outside of Star Money Days. If you have never utilized this online account management option before, you must first create an account. I thought about the Macys card as the one to take care of both issues at once. Your Macys Star Money is valid for 30 days from the date of issue. Well discuss this a bit more in the Fees & Drawbacks section below, but we want to touch on this 3-2-1 rewards concept here as well. You have a number of options when paying your Macys credit card: in-storeat any Macys register, online (you can also enroll in autopay), via the Macys mobile app, by mail, or by phone. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Table of contentsThe Macys Cards at a GlanceMacys Credit CardsMacys American ExpressCardsStar Rewards (In-Depth)Status Tiers & ProgressionStar Money Days (a.k.a. a 15% off Memorial Day Sale for all shoppers) and allow rewards members to stack discounts with their ability to earn rewards. We calculated the interest users would pay if they had received and accepted a Tally+ line of credit and compared that to the interest they would pay without Tally until their credit card balances are fully repaid.

With your card, if youre a Silver or Gold Star Rewards program member, you will only earn points toward Star Money (1,000 points = $10) on Star Money Days. And of course, as mentioned several times the high APR rates are not attractive! The Macys Credit Card can only be used at Macys or on their website. Prospective cardholders submit 1 application for a Macys card. These are basically special coupons, invites to pre-sales, exclusive savings events, etc. We may be compensated when you click on links from one or more of our advertising partners. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Potential applicants dont get to choose which card they are applying for you simply submit 1 application. The free shipping offer is applicable when orders are shipped to 1 location in the continental U.S. Of course, there are exceptions on larger items like mattresses, furniture, rugs, etc. This is the base level where every Macys cardholder begins. With Macys American Express Card, cardholders will also earn Star Rewards points with extra out-of-store benefits including 3% back at restaurants, 2% at gas stations and supermarkets, and 1% back everywhere else American Express is accepted. So how do you do that? Hot Tip:Again its important to note,you mustpay with your actual Macys Credit Card. For each borrower we used: (a) their average APR weighted by their initial credit card balances and APRs; (b) an average monthly payment of 3% of their credit card balance(s); and (c) average monthly credit card transactions of 0.8% of their credit card balance(s).

Prospective cardholders can submit an application for a Macys credit card either in-store or online. hello!! There are a couple of glaringly obvious drawbacks to the Macys card, especially if youre not a Platinum rewards member. Access special benefits wherever you travel with your Card when you book online or over the phone.. At the time of writing this piece, the purchase APR was 26.99% variable, which can get cardholders into some trouble if they consistently carry a balance on their account. Whats important to remember is that the perks youre getting arent directly tied to the credit card itself, but the combination of the card and your Star Rewards status (Silver, Gold, Platinum). While brick-and-mortar department stores worldwide have taken a hit with the growth of online shopping, its clear that Macys has plans to stick around. For example, in terms of rewards on gas purchases: Superstores, supermarkets, convenience stores and warehouse clubs that sell gasoline are not considered gas stations.. Youre about to find out. You must pay us even if you did not intend to be responsible for those charges. Bottom Line: For all of our recommendations, check out our guide to the best credit cards to use at department stores.

This leads us into a discussion on some alternative rewards credit cards that could offer more bang for your buck than the Macys cards, depending on your spending habits.