How we love you back

Open a Macy’s Card
and get 20% off
today & tomorrow

Up to a total savings of $100* over the two days. Subject to credit approval.

Apply Now

With a Macy’s Card, you’ll get
rewarded over (& over) again

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


Annual spend at Macy’s with a Macy’s Card.


Annual spend at Macy’s with a Macy’s Card.


Annual spend at Macy’s with a Macy’s Card.

Rewards on
Macy’s purchases

Even on top brands, including beauty!
Excludes gift cards, services & fees.




That's 2 points per $1 spent
with your Macy’s Card.

That's 3 points per $1 spent
with your Macy’s Card.

That's 5 points per $1 spent
with your Macy’s Card.

Plus, earn
everywhere you go

a Macy’s American Express® Card

Cardholders can get even more
benefits outside of Macy’s.

3% back in rewards at restaurants,
including food 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 everywhere
American Express Cards are welcome.

Apply For A Macy’s Card


Star Money

1,000 = $10

Shop, rack up points &
get Star Money to spend instantly!

Once you earn a Star Money reward, you can use it on anything at Macy’s—just spend it within 30 days!
(Earning & spending rewards excludes gift cards, services & fees.)

Exclusions & Details

Cardholders get a little extra love

*Subject to credit approval.
Exclusions & Details for the below benefits.

Apply For A Macy’s Card

No annual fee

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

Star Passes

We’re talking special savings, just for cardholders.

Star Money Bonus Days

Shop during this exclusive time to earn rewards faster.

Birthday Surprise

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

Member Exclusives

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

Free Shipping for Gold & Platinum members

No minimum with your card at Macy’s.

Looking for more info?
We’ve got you covered.

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

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

What bank issues the Macy’s Card?

Citibank, N.A. 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.

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 information.

Is there a discount offered with a Macy’s Card?

Yes! When you open a new account and are instantly approved, you’ll get the one-time 20% 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 at least $500 in net purchases at Macy’s on your Macy’s Card in a calendar year to upgrade to Gold status, and at least $1,200 in net purchases on your Macy’s Card in a calendar year to upgrade to Platinum status. Your loyalty status will be upgraded 7 days after you hit the $500 or $1,200 mark. Details

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 do I view my statement online?

Once you’ve created an online account, signed in, and added your Macy’s Credit Card:

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: 1-800-281-0820). Hours of operation are Monday-Sunday from 10am to 10pm ET.

Customers outside the U.S., Canada & Puerto Rico call collect: 1-727-556-5758.

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 Citibank, N.A. pursuant to a license. The Macy’s American Express Card program is issued and administered by Citibank, N.A.