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Macy’s Credit Card Alternatives

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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Shopping is one of the great American pastimes. There is nothing like going into a store and find exactly the right item. Whether you prefer to shop online or in store, Macy’s is the place to go – and Macys credit cards make shopping even better.
Featured Macy's Credit Card Alternatives:
BEST for EXCELLENT Credit
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You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99%, based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
BEST for FAIR Credit
Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.

Fair / Average Credit

Fair / Average Credit
This credit offer is for people with Fair / Average credit history.

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You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
No Annual Fee
Reward Category:
Gas
Groceries
Summary of Offer Features:
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Card Features:
Annual Fee$0
Activation Fee$0
Regular APR24.99%* (Variable)
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • Extended rewards program.
  • No annual fee.
  • Use points like cash to make purchases.

See card details
Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
No Annual Fee Summary of Offer Features:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Card Features:
Annual Fee$0
Activation Fee$0
Regular APR24.90%
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • No Annual Fees.
  • No Application Fees.
  • No Over Limit Fees.
  • Quick approval.
  • Credit is available as soon as you´re approved.

  • This Offer is aimed to use exclusively at Fingerhut.com.
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Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
Get 0% Intro APR on Balance Transfers and Purchases for 18 months Summary of Offer Features:
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee.26
Card Features:
Annual Fee$026
Activation Fee$0
Regular APR11.99% - 21.99%26 (Variable)
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • VIP access to presale tickets for live entertainment.
  • Get protected with Citi IdentityMonitor.
  • Earn Citi Easy Deals Points for purchases.

  • Balance transfer fee is 3% of each balance transfer.
See card details
Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Key Feature:
Guaranteed $500 Unsecured Credit Limit Summary of Offer Features:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Card Features:
Annual FeeSee terms
Activation Fee$29.95
Regular APR0.00%
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • Reports to a major credit bureau.
  • Fast online approval.
  • Unsecured credit limit.

  • Must have Active Debit Card or Credit Card to qualify.
  • Can be used exclusively at thehorizonoutlet.com.
See card details

Let the Macy’s Star Lead You

Can’t get enough of shopping at Macy’s? Then you will want to be sure you carry a Macys credit card. As a Macy’s Star Rewards member, you will be eligible for special discounts and promotional offers that can save you hundreds of dollars per year, and exclusive sales for members only.

Choose Macy’s Card

All folks have to do before filling out Macys applications is decide which card they prefer to carry. There are two Macys credit cards to choose between. The basic Macy’s store card is only for purchases made at Macy's – either in one of their retail locations or on their website, macys.com. You won’t be able to use this card anywhere else but Macy’s.

If you would like to have a credit card you can use anywhere, then apply for a Macy’s American Express card. Accepted everywhere that takes AmEx, this card earns rewards with every purchase and entitles you to all the benefits of Star Rewards membership. Your mailbox will fill up with coupons that give 5%, 10%, even 20% off your next purchase, as well as offers for $5 off or up to $20 off your next Macy’s shopping trip.

Ready, Steady, Go!

When you fill out Macys online applications all you need is some basic information like your date of birth, address, Social Security number, income and contact information. If qualified you can be quickly approved using the Macys credit card application. Or apply for macys credit card in a store and receive savings on the spot.

However you choose to apply for Macys credit cards, you will find that the Macys application is fast and easy to complete. Fill out a Macys online application if you are shopping at macys.com, or apply in store if you are having an afternoon of retail therapy. Sign-on bonuses may be applied to your first purchase, and offers change with the seasons so be sure to find out what the current new cardmember discount will be.

FAQs about Macy's Cards:
Answer:

Yes. You will earn 1% cash back from discover. And if you will shop through ShopDiscover, you will be able to earn up to 10% cash back on purchases at Macy’s.

Answer:

Yes. To do this you will need to sign in or create your profile at Macy’s website. For this you will need your Macy’s credit card, because you will be required to enter the security code from your card. If you have a Macy's Store or card, your 3-digit security code will be located on the ...

Answer:

You may make your payments in a variety of ways. You can pay online by making on-time payment or by setting up automatic payments. If you shop in Macy’s stores, you can pay in any of their stores. They also accept payments by mail, by phone 1-888-431-6229, and through CheckFree. They ...

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26 See the Citi card terms and conditions online.