top banner
top banner top banner

Open a Macy’s Card & get 25% off

today & tomorrow,* up to a total savings of $100
on your
Macy’s purchases over the 2 days.
*Subject to credit approval. Details

Apply Now

The more you shop with a Macy’s Card,
the more rewards you get

Earn on every Macy’s purchase except Gift Cards, services & fees.
Exclusions & Details for Loyalty Status & all the below benefits


2% back in rewards
on Macy’s purchases

(that’s 2 points for every $1 spent)

$0-$499/year cardholder spend at Macy’s


3% back in rewards
on Macy’s purchases

(that’s 3 points for every $1 spent)

$500-$1,199/year cardholder spend at Macy’s


5% back in rewards
on Macy’s purchases

(that’s 5 points for every $1 spent)

$1,200+/year cardholder spend at Macy’s

Plus, earn everywhere you go
with a Macy’s American Express® Card

Platinum, Gold & Silver members can get even more
outside of Macy’s:

3% back in rewards

at restaurants including delivery

(that’s 3 points per $1 spent)

2% back in rewards

at gas stations & supermarkets

(that’s 2 points per $1 spent)

1% back in rewards

everywhere else

(that’s 1 point per $1 spent)

All your points add up to a reward

Once you earn $10 in Star Money, you can use it instantly
on anything
at Macy’s except Gift Cards, services & fees.
Just spend your reward
within 30 days! Exclusions & Details

Cardholders get benefits galore!

No annual fee

That’s right—and you get all the perks. Details

Star Passes

We’re talking 25% off savings & more, just for members.

Star Money Bonus Days

Mark your calendar for this exclusive time to earn rewards faster.

Birthday Surprise

We’ll send a little something sweet to celebrate you.

Perks & Offers

Earn bonus points when you shop brands you love + more.

+ Gold & Platinum get Free Shipping

No minimum with your card at Macy’s.

Exclusions & Details for the above benefits

Apply Now

Have questions? We have answers.

How do I apply for a Macy’s Credit Card or Macy’s American Express Card?

Click “Apply Now” above to access the online application. After submitting
application, you’ll be considered for both the Macy’s Credit Card and
American Express Card. If approved for both cards, you’ll select which
card you’d like.

What bank issues the Macy’s Card?

Department Stores National Bank (“DSNB”) is the issuer of the Macy’s Credit
Card and the Macy’s American Express Card.

How will I know if my application was approved?

Good news—if you’re approved, you should be instantly notified. However, if it
takes longer to process your application, the bank will notify you by mail regarding
the reasons for the decision.

When will I receive my new Macy’s Card?

Once you’re approved, you should receive your new Macy’s Card within 7-10
business days of your account opening. Plus, look out for exclusive offers
delivered with your card that you can use instantly!

Can I use my Macy’s Card anywhere?

You can use a Macy’s Credit Card on all Macy’s purchases. You can use a
Macy’s American Express Card at Macy’s and outside of Macy’s everywhere
American Express cards are welcome.

Is there a discount offered with Macy’s Cards?

Yes! When you open a new account and are instantly approved, you’ll get the
one-time 25% off discount to use the first two days in store or online with your
Macy’s Card, up to $100 on your Macy’s purchases over the two days. Details

What are the different levels of the Macy’s Star Rewards program?

New credit cards are opened at Silver status (check out the great benefits above).
Spend $500 on your Macy’s Card at Macy’s by the end of the
calendar year to
upgrade to Gold status for that year, and $1,200+ to upgrade
to Platinum status.
Your Macy’s Card will be upgraded 7 days after you hit the
$500 or $1,200 mark.

How do I add my card to my online account?

To pay your bill online, view your account balance, billing statements and
more, you’ll need to create an account (if you don’t have one already).

Once you’re set up, sign in and select ‘Add Your Card.’ Complete the form,
then select ‘Add Card.’ You’ll have to set up a few security questions—then
select ‘Next’ to complete the process!

How can I check my card balance?

Once you’ve added your Macy’s Card to your online account & signed in,
select the ‘Macy’s Credit Card’ option from the drop-down account menu.
From this page, you’ll be able to view your statement balance, minimum
payment due and your payment due date along with any other account-related

How do I view my statement online?

Once you’ve added your Macy’s Credit Card to your account and signed in:

  • Select ‘My Account’
  • Select ‘Macy’s Credit Card’
  • Select the ‘Statements & Recent Activity’ button
  • In the ‘Download Statements’ section, choose the date and format
    of the statement you want to view or print, then select the ‘Download’ button.
  • Select the PDF option if you are looking for an image that resembles a
    traditional statement.

You can view and print up to 12 consecutive months of statements online. To request a copy of statements older than 12 months, contact Credit Customer Service.

How do I pay my bill online?

Once you’ve added your Macy’s Credit Card to your account and signed in:

  • Select ‘My Account’
  • Select ‘Macy’s Credit Card’
  • Select the ‘Make a Payment’ button
  • Select your payment amount, date and source, then select the ‘Continue’ button
  • Verify your information and select ‘Authorize’

Quick note: Debit cards are not accepted for online payments.

How do I pay my bill in store?

You can pay your bill with cash, check, debit card, or money order at a register in any Macy’s store. Find A Store

We do not accept credit cards or Gift Cards as payment on your Macy’s
Credit Card or Macy’s American Express® Card. At this time, debit cards are
only accepted as payment in store.

How do I add my card to my Macy’s Wallet?

Add your Macy’s Card to Wallet to access your Star Passes & Star Money rewards, see how close you are to upgraded benefits, and check out faster online.

Once you’ve signed in to your Macy’s account, select ‘Wallet’ from the drop-down menu, select ‘Add Macy’s Credit Card,’ enter your card number and associated billing information, then select ‘Save & Continue.’

Woo-hoo! Your card information is now saved in your Wallet for future use. If you’d like to easily access all your Star Rewards information, just set your Macy’s Card as the default card.

How do I contact Customer Service?

You can call the Credit Customer Service center at 1-888-257-6757 (TTY:
Hours of operation are Monday-Sunday from 10am to 10pm ET.

Customers outside the U.S., Canada & Puerto Rico call collect:

Have your Macy’s account number on hand. You can also request statements
& other credit card-related information.

New Account Discount: Subject to credit approval. The new Credit Card discount (the “Discount”) is valid on merchandise purchases made at Macy’s, Macy’s Backstage and the day you are approved and the following day and charged on your new Macy’s Credit Card. The Discount is limited to a total of $100 over the two days. The Discount cannot be combined with other discount offers except where indicated and it may not be applied to previous purchases. The Discount does not apply to services, select licensed departments, Apple products, smart watches/jewelry and select tech accessories, Gift Cards, restaurants, gourmet food and wine. Applicants must qualify for immediate approval to receive the Discount; applications requiring further processing will not receive the Discount. Discount does not apply to upgrades of a Macy’s Credit Card to a Macy’s American Express Card. Employees of Macy’s, Inc. are not eligible. The Discount percentage may differ for purchases made in store. For your convenience and record keeping, the Discount will appear on your statement. It will not appear on your register receipts or during checkout on

American Express is a federally registered service mark of American Express and is used by Department Stores National Bank pursuant to a license. The Macy’s American Express Card program is issued and administered by Department Stores National Bank.