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How the Macy’s Credit Card Works: Benefits and Rewards – Open a Macy’s Credit Card and Save 20%

If you want to know how to apply for the Macy’s regular credit card or how to apply for the AMEX card online or in one of the many stores, it is a straightforward process. Fill out an online application containing the typical questions which include your personal information, your financial and social security information. You then agree to the terms, conditions, and details of the agreement.

There are two types of Macy’s credit card offerings, the regular Macy’s store credit card that can only be used for Macy’s purchases, and the Macy’s American Express card featuring more benefits. With both cards, there is no annual fee. Each credit card gives customers lots of rewards based on your spending level which includes preferred, elite, or premier elite.

Macy’s Cardholder Tiers

Whether you shop at Macy’s online store or at any of their brick and mortar stores, using the cards regularly are what allows customers to reach any of the elite status tiers. Let’s look at each Macy’s credit card tier benefits:

Preferred Cardholders

  • 3 annual Macy’s Star Pass mailings with big discounts
  • Surprise savings taken at the registers
  • Sharing Rewards*: 10% rewards on eligible purchases through an enrollment application
  • Plenti members: one point per $1 for purchases.

Elite Cardholders

  • 6 annual Macy’s Star Pass mailings with big discounts
  • Surprise savings at the register
  • Sharing Rewards: 10% rewards on eligible purchases through an enrollment application 
  • Birthday offerings
  • Plenti members: one point per $1 for purchases.

Premium Elite Cardholders

  • 12 annual Macy’s Star Pass mailings with big discounts
  • Surprise savings are taken at the register
  • Sharing Rewards: 10% rewards on eligible purchases through an enrollment application
  • Birthday offerings
  • Free shipping – 4x a year
  • Customized 800 customer service line
  • Plenti members: one point per $1 for purchases

Macy’s American Express (“AMEX”) Card

Macy’s, American Express and Plenti have partnered together to give card holders for points, discounts, and more. Their accounts can be linked together. Question – “Where can I use my Macy s American Express Card” is easy because it can be used wherever it is accepted.  Plenti benefits include different points per $1 at restaurants, gas stations, food markets, and shopping at Macy’s. Using Macy’s AMEX card gives users discounts and special deals at any partner merchant locations. Like other brand cards, to answer the question “can I get cash with my Macy s American Express Card?” Also, like other cards, you can get cash, BUT there are fees affixed, so it is suggested that you use this transaction for emergencies.

Macy’s Credit Card Application Benefits

Your credit decision can be given immediately, or it may take up to a week for a final decision. The easy approval odds involves not having a bad credit score. A bad credit score is between 300 and 499. Other easy approval odds involve having excess credit cards, having a low-income ratio, or having high loans and/or credit balances. While online, click on “My Wallet” section. This benefit by Macy’s helps customers to keep track of all your offers, Star Passes, deals, coupons, promotions, deals and more. My Wallet is free. Why not download Macy’s app so that you can pay your bill, fill out account information and keep it updated on most mobile devices.The app allows you to be the first to find out about special offers, savings and more. When these specials pop-up on your mobile device, add it to our My Wallet section with a quick click. Macy’s “Thanks for Sharing” rewards are supporting charities and giving customers rewards. Ten dollars out of each $25 enrollment fee will be donated to select charities. Join online with your Macy’s card. Customers also receive a 10% reward when they shop.