Macy’s Credit Card Alternatives

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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:
OUR CHOICE FOR EXCELLENT, GOOD CREDIT:
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Expert Rating:
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
OUR CHOICE FOR BAD CREDIT:
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Expert Rating:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.

Other Credit Card Alternatives

Citi Simplicity® Card - No Late Fees Ever
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Expert Rating:
Key Feature:
0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness Summary of Offer Features:
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Card Features:
Annual Fee$0*
Application Processing FeeSee terms
Regular APR14.99% - 24.99% (Variable)
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • Zero intro APR on purchases and balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
See card details
WebBank/Fingerhut Credit Account
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Expert Rating:
Key Feature:
No Annual Fee. See WebBank/Fingerhut Credit Account Terms. Summary of Offer Features:
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Card Features:
Annual Fee$0
Application Processing FeeSee Terms
Regular APRSee Terms
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • Low Monthly Payments*.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.

  • This Offer is aimed to use exclusively at Fingerhut.com.
See card details
Credit One Bank® Platinum Visa® for Building Credit
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Expert Rating:
Key Feature:
Receive 1% cash back on eligible purchases, terms apply Summary of Offer Features:
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Card Features:
Annual Fee$0 - $99
Application Processing FeeSee terms
Regular APR16.99% - 24.99% Variable
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • Pre-Qualify without harming your credit score.
  • Unsecured credit card with no deposit requirement.
  • Get 1% cash back on eligible purchases, terms apply.

  • Has a foreign transaction fee.
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 Alternative

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. 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:

Yes. You will earn at least 1% cash back from Discover. And if you will shop through Discover Deals, you will be able to earn up to 10% cash back on purchases at Macy’s online store.

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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