How to Apply for Macy’s Credit Card – Complete Guide

Department Store National Bank issues Macy’s credit card, offers deep discounts for customers who use it for regular Macy’s purchases. Macy’s credit card is a store card so it cannot be used elsewhere. Macy’s credit card benefits are limited to Macy’s discounts and promotions, and the card cannot be used at any store, so this card is solid for heavy Macy’s customers who need access to as many sales and brand loyalty perks as they get.

A Macy’s credit card offers special coupons and special 25-percent-off days. If you spend $500 per year on Macy’s credit card will get more benefits since you will qualify for gold status with Macy’s and earn bonus perks like free shipping at Macy’s, and 3% back in rewards. If you spend more than $1200 you can earn 5% cashback. You may have a question in your mind that “Can I apply for Macy’s credit card online?” So, yes, you can apply for Macy’s credit card online as well as by phone.

Apply for Macy’s Credit Card Online

  • To apply for Macy’s credit card online visit their website
  • After that, click on “Apply for Macy’s credit card”.
  • Then, click on the button showing “Apply Now”. This will take you to Macy’s credit card application page.
  • After that, you have to enter your details such as first and last name, email address, phone number, and physical address.
  • In the next section, enter your monthly mortgage or rent payment, total annual income, SSN, date of birth.
  • Agree to the terms and conditions and click the button called “Submit Application”.
  • Once you apply, you may receive an immediate answer or they may expect more information. If you declined, you can request a free copy of your credit report.

Other Ways to Apply for Macy’s Credit Card

If you do not want to apply for your credit card online, you can visit a Macy’s store in person. Go to the cashier or associate and let them know you want to complete Macy’s credit card application process. You may need photo identification and another credit card.

Macy’s Credit Card Customer Service

If you have any questions regarding Macy’s credit card, you can contact them at 1-888-257-67-57. You can call them Monday to Saturday from 9 am to 9 pm and Sundays from 11 am to 8 pm.

Macy’s Credit Card FAQs

What are the benefits of a Macy’s credit card?

A Macy’s credit card offers special coupons and special 25-percent-off days. You can get free shipping from Macy’s online on spending more than $500 on your card. You can earn 5% cashback if you spend more than $1200.

What is the APR of a Macy’s credit card?

The APR for Macy’s credit card is 26.99% and it varies based on Prime Rate. There is a charge of $2.

Is there an annual fee?

Macy’s credit card does not charge any annual fee.

Is there a late fee?

If your payment is received after the deadline, you will be charged a late fee of up to $38.

Can I get a credit lime increase?

Macy’s can increase your credit limit at their discretion. They may also lower it for any reason. They are needed to give notice, but they may make the change before you receive notice.

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