How to Apply for a Macy’s Credit Card

Offering great perks like Star Rewards Passes and surprise in-store register savings, the Macy’s Credit Card is a must for frequent Macy’s store shoppers. Applying for the card only takes a few minutes, and trust us, it is worth every minute it takes. The Macy’s Credit Card has no annual fee and an interest rate of 24.5% for purchases. One of the biggest downfalls of this card is that it does not have the option for cash advances, but truthfully, this is probably in most people’s best interest as I have yet to find a credit card that provides a low enough interest rate on cash advances for it to be worth it to advance cash. If it has not been made clear, the high interest rate for purchases is enough to deter individuals who only rarely shop at Macy’s. This card is intended for loyal Macy’s customers who are looking to save money on their consistent Macy’s expenditures. If you are one of these individuals then scroll down this page and you will find an application guide that will explain everything you need to know about applying online.

Before you continue we feel it is important that you review the online privacy policy as it explains exactly how your personal information is going to be handled throughout the application process.


In order to complete the online application successfully applicants must meet the following requirements:

  • You must be 18 years of age or older
  • You must provide a U.S. Social Security number
  • You must be able to provide a third-party credit card account number for verification purposes

How to Apply

Step 1: Visit the application homepage on the Macy’s website, pictured below.

Macy's Credit Card - Apply 1

Step 2: Click the Apply Now link.

Macy's Credit Card - Apply 2

Step 3: Click the CONTINUE link to designate that you agree that you understand you are leaving the Macy’s homepage.

Macy's Credit Card - Apply 3Step 4: Enter the following personal information in the blank spaces provided:

  • E-mail address
  • First name
  • Last name
  • Home address
  • City
  • State
  • Zip code
  • Home phone number

Macy's Credit Card - Apply 4

Step 5: Enter the following financial information in the blank spaces provided:

  • Annual income
  • Residential status
  • Monthly mortgage or rent payment amount

Macy's Credit Card - Apply 5Step 6: Enter the following security information:

  • Date of birth
  • Social security number
  • Photo ID type
  • Driver’s license or photo ID number
  • State it was issued

Macy's Credit Card - Apply 6Step 7:  Carefully review the credit card terms and conditions, scrolling all the way through the document. It is recommended that you print a copy for your records. Check the box that says you have read and agree to the terms and conditions, and select whether you want to receive electronic copies of the disclosures.

Macy's Credit Card - Apply 7Step 8: Finalize the application process by clicking the CONTINUE button.

Macy's Credit Card - Apply 8You have now completed the online application process for the Macy’s Credit Card. You should immediately receive the results of your application.