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Macy's Credit Card
| Annual Fee | No Annual Fee |
| Regular APR | 31.99% (Variable) |
| Open-loop card or Close-loop card | N/A |
Additional Information
| Balance Transfer Fee | N/A |
| Purchase Intro APR | Not Offered |
| Transfer Intro APR | Balance Transfers Not Allowed |
| Late Payment Fee | $41 |
| Returned Payment Fee | Up to $37 |
| Cash Advance Rate | 27.24% (Variable) |
| Cash Advance Fee | 4% (min $5) |
| Foreign Transaction Fee | 3% |
| Smart Chip | Yes, chip-and-signature |
Sign-up Bonus
Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days.
Rewards
NA
Application Requirements
| Minimum Credit Score | Fair |
| Minimum Age | N/A |
Credit Score
| Excellent Credit | N/A |
| Good Credit | 700 — 749 |
| Fair Credit | 640 — 699 |
| Bad Credit | 300 — 639 |
| Limited Credit | Less than 3 years of credit history |
How To Apply for Target Macy's Credit Card
1. Click the "Apply" button below!
2. Fill out the application with your personal and financial information.
3. Verify and submit your application.
Who Should Apply for Macy's Credit Card
Individuals who frequently shop at Macy's and want to earn rewards on their purchases
Customers who are looking for exclusive discounts and offers at Macy's
Those who want to build or improve their credit history with responsible credit card use
People who want the convenience of managing their Macy's purchases and payments in one place
Where Can You Use for Macy's Credit Card
Macy's Credit Card can be used at any Macy's store location
It can also be used for online purchases at macys.com
The credit card can be used to earn rewards and discounts on Macy's purchases
It can be used for special financing options on certain purchases at Macy's
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5 CardsAbout Cards Pick
Welcome to Cards-Pick – where finding Your Perfect Card is a seamless journey. No financial path is straight; it's an odyssey of twists, turns, and detours. At our hub, we simplify the credit card quest. Let us be your trusted guide, ensuring each click leads to financial fulfillment. Your Perfect Card is waiting – start your journey to prosperity with us!
What Type of Credit Card is Best?
Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:
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