Macy Credit Card Benefits and How to Apply

What is Macy Credit Card? Macy is one of the major departmental stores in the United States of America offering a wide range of departmental products to its users. Macy Credit Card is offered by the Macy’s departmental store which is known to be one of the highly useful and trustworthy cards in the United States and all around the world. The credit card of the Macy’s store is a store card which means that this card can only be used for making purchases at the stores of Macy or any other affiliated store of the band.

However, it will not be acceptable in other stores where the products of the Macy’s are not available. The credit card of the store is highly useful for the customers as using this they do not have to deal in cash and they can make payments through the credit card. The cashless payments are now capturing the industry as more and more customers feel comfortable making payments through cards or apps.

Macy is a departmental store in the United States of America offering a wide range of products to the users. It is one of the biggest Retail Stores Chain providing items such as Clothing, footwear accessories, bedding, furniture, jewelry, beauty products, housewares etc. These products can be obtained at highly reasonable rates from the store.

Macy is also one of the oldest stores in the United States as it was founded in the year 1858 in the month of October. The first store of the retail chain was founded by Rowland Hussey Macy in the city of New York. Today, the headquarter of the retail chain is in the United States while it has spread all over the United States, Puerto Rico, Guam, and the US Virgin Islands.

Products offered by the Macy’s Departmental Store

There are a number of useful and common products of different nature and industry which are offered by the Macy Retail stores chain for the consumers. Some of the common products which are on offer are Clothing, footwear accessories, bedding, furniture, jewelry, beauty products, housewares etc. These products are sold in stores of the Macy Retail Chain located all over the country at various popular locations.

The availability of all these products at one place makes the life of the consumers convenient as this way the products of various industries have been brought at one place.

Macy’s Retail Stores

It is an America retail store chain with hundreds of years of tradition behind it. Macy’s retail chain stores are located all over the United States in more than 669 locations offering quality and standard products to the users. The first store was opened in New York in the year 1858 which was a dry goods store but over the course of time, by surviving major shifts in its operations, it has managed to become a successful departmental retail chain. Some of the interesting facts about the Macy Stores are listed as below:

  1. It is one of the oldest Retail Stores in the United States of America and all over the world as it was founded in 1858 having a life of almost 159 years. This shows that the retail store is rich in American tradition and culture after surviving and growing for a period of whopping 159 years.
  2. The Macy Brand was known to be the R.H. Macy & Co.
  3. It has been listed under Retail Services in its business listing.
  4. The store owns one of the biggest departmental store in the whole of America which is known as the Macy’s Herald Square. This store is so big that it covers almost an entire block of the New York City. It accounts for 1.1 million square feet of the retail area.
  5. Some of the popular products offered by the Retail Store are Clothing, footwear accessories, bedding, furniture, jewelry, beauty products, housewares etc.
  6. Macy Stores is a subsidiary type of retail chain operating in the United States of America. It is a subsidiary of the Macy’s Inc. The parent company runs various other retail stores in different parts of the United States.
  7. The Macy Retail Store operates headquarter of the retail chain store is located in the State of New York of the United States of America while there are a number of stores of the brand spread all over the country. The retail chain operates in more than 669 different locations in the United States and other parts of the world offering extraordinary services to the consumers.
  8. Macy Store is one of the biggest employers in the world with hundreds and thousands of employees currently working for the retail brand at its different locations all over the world.
  9. Most of the stores are usually located in the states of the country while some of the stores are also located in Puerto Rico, Guam, and US Virgin Islands.
  10. The company also has one of the biggest customer bases all over the world. There are millions of customers’ in the country getting benefits of the services offered by the retail stores.
  11. In the 1960s the company had to file for bankruptcy but after successfully recovering from this period, the store started to grow and expand. The profits started to accumulate and the store became one of the largest stores in the country.

Online Delivery Services Offered by Macy Retail Stores

The Macy Retail Stores is offering some of the highly commendable services to its users. With the changing time and owing to the rise of the e-commerce, there is an ever-increasing need for the retail stores to offer their products online and deliver them to the users so they do not have to visit the stores in their busy schedule. The Macy’s store or retail chain has an online presence which makes it possible for the users to get an idea of the products which are being offered by the store. They can always make use of the opportunity of placing the online order and have the products delivered quickly at their doorsteps.

  • Placing Online Orders

The online way of placing an order is available at the website of the Macy Retail Stores where the customers can place the order as per all their requirements of the products by looking at them displayed on the site. They can also pay through their credit cards. On the use of the online purchase application, special discounts can be made use of as the credit cards provide discounts on the purchase or coupons on various products are available on a daily basis which can be applied in order to get the discount.

Macy’s Credit Card

Macy Credit Card
Macy Credit Card

As we have discussed earlier, Macy’s retail chain stores are one of the oldest retail chain stores in the United States of America and the other regions of the country which means that the retail store has a huge number of loyal customers who make regular visits to the store in order to purchase all sorts of products offered by the company. The products offered by the retail store are also high in demand which means that a huge number of customers usually visit the stores of the company on regular basis. In order to simplify the shopping experience for the users of the store, the company has issued a store card with the help of which the users can make payment on the store. The card issued is a credit card which means that the users can also make payments on a credit basis. They will have to pay back the credit loan at the end of the billing month. This brings more ease to doing business and shopping.

Macy’s Credit Card and American Express

The credit card of the bank is powered by American Express which is one of the major credit card support service provider all over the world. The Macy’s credit card has acceptability in the stores of Macy’s and its affiliates and it cannot be used in other stores. When the users make a purchase using the Macy’s credit card at the store, there is a possibility of winning a discount or bonus from the store. The discount or bonus which is available to the user depends upon the rating of the card which is assigned.

There is a three-star rating system for the users of the credit card depending upon the use of the card. The rating levels are Silver, Gold, and Platinum where silver is the lowest value rating while gold and platinum are the higher and highest level ratings respectively. The ratings are assigned to the users depending upon their use of the card annually.

How does the rating system work?

There are three rating systems

  1. Silver Rating
  2. Gold Rating
  3. Platinum Rating

When a user gets the card of the store, initially a Silver rating is assigned. The silver rating comes with some perks and privileges but the perks and benefits available to the Gold and Platinum cardholders are greater as compared to the silver card holders. When a user regularly uses the card, the rating assigned is increased over the course of time. When a significant value of purchases has been made by the consumer, the rating is increased to gold level. Similarly, when the value of the purchase reaches a significant level, the rating is increased to Platinum level.

When a particular level of purchase is reached making the user eligible for the next rating level, it is assigned in the next month. Similarly, when a user reaches a particular level, the rating is kept for the rest of the year and the next year while the rating afterward is determined by the level of purchase in the previous year.

Benefits of Macy’s Credit Card

  1. Cash Back: When you make a using the credit card of Macy’s, depending upon the rating of the credit card that you are using, a cashback reward is offered. 5% Cashback reward is available when you make a purchase using the Platinum level credit card. The cash back amount can accumulate and it can then be used towards the purchase of other items from the store. Hence, the cash back option allows you to purchase more and more items by paying the same amount.
  2. Discounts: Some of the highly lucrative discounts are available for the users of the Macy’s credit card on purchase of stuff from the stores of the company. The discounts available depend upon the stars accumulated and the credit rating of the card. Other discounts from time to time are also available at the stores of the company. Similarly, a number of lucrative discounts are available for the users of online shopping portal. With Silver rated credit card, you can get up to 25% discount on one day of your choice. You can get up to 3% discount on various products in restaurants associated with the Macy’s store.
  3. Free Shipping: Free shipping services are available for the holders of the gold rated credit cards. It means that orders of any value can be delivered to your doorstep when you choose to make payment through the gold rated credit card. The free shipping allows you to save quite a few dollars.
  4. Variable Interest Rate: When the users make a purchase through the Macy’s credit card an APR of 26.24% is applicable. There is no introductory APR available. The same amount of interest has to be paid when the user opts for a cash advance through the use of the Macy’s Credit Card.
  5. No Annual Fee: Macy Credit Card is highly lucrative to the users as they can get the credit card and do not need to pay an annual fee. Most of the Credit Cards in the world require some annual fee to be paid for using the credit card. The annual fee has to be paid no matter if you use the card or not. The annual fee run in several dollars which is usually a huge amount for certain users. However, in case of Macy credit cards, no annual fee needs to be paid which saves quite a few dollars for the users. No annual fee or any other additional charges if the dues of the credit card are paid well in time.
  6. Over-limit Fee: Over-limit is the maximum purchase that you can make in a month using the Macy Credit Card. Most of the credit cards in the world charge some fee when the user crosses the limit for the month. The over limit depends upon the packages availed by the user. Sometimes, it so happens that the user needs to buy something which is valued above the spending limit or sometimes the spending limit is accidentally crossed without knowing. A minimal fee may apply in case of an over limit but the amount has to be paid in the next billing month.
  7. Cash Advance: The Macy Credit Card allows you to take the cash out using the credit card. Most of the credit cards do not offer this service and allow the users to take the cash advance from the credit card but the Macy Credit Card does that. When the users pay the cash back, only 4% fee has to be paid or a fix 5$ depending upon which one of these is a greater amount. This is a great service considering that sometimes the users need cash money in order to do something which cannot be done with the credit card swiping and hence the Macy facilities them in this way. Only a reasonable amount of fee has to be paid which is usually very high in other cases.

The interest rate which has to be paid on the cash advance is the same as the one which has to be made for making a purchase.

  1. Customer Service: The customer services offered by Macy’s is one of the best among all the credit card services provider. The customer services are offered 24/7 and the users can ask Solutions to their issues at any time. The customer service has been best rated by the users as judged by the reviews on the internet.

How to Apply for the Macy’s Retail Store Credit Card?

You can apply for the Macy Credit Card by visiting the website of the Macy’s online store. In order to get the card, you need to have a good credit rating. The link                                                                                                      {} can be used in order to get yourself registered for the credit card.

Once you have submitted, the work on your request will be carried out and you will be contacted when your application is approved.


Macy’s credit card is one of the most popular cards in the United States for making payments. It provides ease and convenience of making purchases to the users who have to regularly get the stuff from these stores. Getting the Macy’s credit card for the regular users is of much significance. If you have any other commercial card offering the similar kinds of services are the Macy’s card then you may want to use that as well on the stores.