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Macy’s Credit Card Alternatives

PREPAID & CREDIT CARD APPLICATIONS ONLINE

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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:
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.
  • Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.±
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.± 1% cash back on all other purchases.
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.
  • Pay no annual fee.
  • Get access to a higher credit line after making your first 5 monthly payments on time.

Fair Credit

Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

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:
Unlimited 1% cash back gas rewards Summary of Offer Features:
  • Unlimited 1% cash back gas rewards.
  • Rewards post to your account automatically each month.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
Card Features:
Annual Fee$35-$99*
Activation Fee$0
Regular APR17.90% - 23.90% (Variable)*
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • Unlimited 1% cash back gas rewards.
  • Get Pre-Qualified without affecting credit score.
  • Automatic reviews for credit line increase.

  • Annual fee is $35-$99.
See card details
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:
0% intro APR on Balance Transfers for 18 months Summary of Offer Features:
  • Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.±
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.± 1% cash back on all other purchases.
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.±
  • Free FICO® Credit Score on statements, online & by mobile app.± And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • ±See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Card Features:
Annual Fee$0
Activation Fee$0
Regular APR10.99% - 22.99% Variable±
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • 0% intro APR on balance transfers for 18 months.
  • Freeze or unfreeze your account.
  • Earn cash back on all purchases.
  • No annual fee.

  • 3% balance transfer fee.
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 275,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Get $50 off $200 - USE Promo Code NC801. Exp. 8/3/2015.
  • *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.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at Fingerhut.com.
See card details
Bad / No Credit

Bad / No Credit
You can apply if: you have never had a credit card or haven’t established a credit history yet; your credit has seen bankruptcies or defaults.

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:
Monthly reporting to the three major credit bureaus Summary of Offer Features:
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Card Features:
Annual Fee$125 for the first year. After that, $96 annually
Activation FeeSee terms
Regular APR29.99% (V)
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • For all credit types.
  • Monthly reporting to credit bureaus.
  • High initial credit limit.

  • High interest rate.
  • High annual fee.
See card details
Fair Credit

Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

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:
Automatic reviews for credit line increase opportunities Summary of Offer Features:
  • Automatic reviews for credit line increase opportunities.
  • Keep an eye on your progress with free online monthly credit score tracking.
  • Get Pre-Qualified for a Platinum Visa credit card.
  • Earn 1% cash back on gas purchases and get more value with every gallon.
Card Features:
Annual Fee$35-$99*
Activation Fee$0
Regular APR17.90% - 23.90% (Variable)*
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • Earn 1% cash back on gas purchases.
  • Track your credit score for free.
  • Automatic credit line increases.

  • Has an annual fee.
See card details
Fair Credit

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

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:
2X cash back rewards on purchases for gas, groceries and utilities. Summary of Offer Features:
  • No annual fee.
  • 2X cash back rewards on purchases for gas, groceries and utilities.
  • 1X cash back rewards on all other purchases.
  • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10.
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad.
  • 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 card members.
Card Features:
Annual Fee$0
Activation Fee$0
Regular APR24.99%* (Variable)
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • 2X cash back rewards on purchases for gas, groceries and utilities.
  • No annual fee.

  • No intro APRs.
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.
  • No credit check.
  • Unsecured line of credit.
  • Good for bad credit.

  • 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 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. 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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* See Card Terms & Conditions for Details.
± Click apply for Terms & Conditions.