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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.
Best Macy's Credit Card Alternatives For You:
BEST for EXCELLENT/GOOD Credit
Compare (16)
You've selected 16 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.
  • Shop via ShopDiscover and earn 5% Cashback Bonus on every purchase you make at Macy's!
  • 0% intro APR on Purchases and Balance Transfers for 14 Months.
BEST for FAIR Credit
Compare (16)
You've selected 16 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.
  • NO annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.

Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (16)
You've selected 16 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:
Start with no annual fee for the first year; $19 after that Summary of Offer Features:
  • Start with no annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Start building for the future with features that can help you get there.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
Card Features:
Annual Fee$0 intro for first year; $19 after that
Activation FeeSee terms
Regular APR24.9% (V)
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • Annual fee is waived for the first year.
  • People with average credit can be approved.
  • Chat online with customer service during application process.

  • No 0% promotional periods.
See card details
Capital One® Card Finder Tool
Compare (16)
You've selected 16 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:
Find card offers you may be eligible for without affecting your credit score Summary of Offer Features:
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are — to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
Card Features:
Annual FeeSee terms
Activation FeeSee terms
Regular APRVarious Rates
Reporting Credit BureausYes
Instant ResponseYes
Our Expert Opinion
  • Choose rewards program you prefer.
  • No risk to your credit score.
  • Get result in 60 seconds.

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 (16)
You've selected 16 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:
Visa Platinum Benefits and Gas Rewards for Fair Credit Summary of Offer Features:
  • Unlimited 1% back gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% 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 ResponseYes
Our Expert Opinion
  • Unlimited 1% back gas rewards.
  • Earn as much rewards as you can monthly.
  • Pay no over-limit fees.

  • Annual fee billed monthly.
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 (16)
You've selected 16 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% on Balance Transfers for 18 months
Reward Category:
Gas
Purchases
Summary of Offer Features:
  • 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.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Free FICO® Credit Score online and on monthly statements.±
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up±. 1% cash back on all other purchases.
  • 100% U.S.- based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and 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
  • Longest 0% intro period on balance transfer from Discover.
  • Peace in mind if you have some problems with payments.
  • Offers cash back bonus program.

  • Requires excellent credit history.
See card details
Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (16)
You've selected 16 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 purchases until June 2015 Summary of Offer Features:
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until June 2015.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud Coverage if your card is ever lost or stolen.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
Card Features:
Annual Fee$39
Activation FeeSee terms
Regular APR22.9% (V)
Reporting Credit BureausYes
Instant ResponseNo
Our Expert Opinion
  • Unlimited cash back for people with average credit.
  • Easy to redeem cash back at any time.
  • MasterCard benefits are included.

  • Annual 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 (16)
You've selected 16 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.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
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.
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 (16)
You've selected 16 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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± Click apply for Terms & Conditions.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.