Macy’s Credit Card. Is it worth it?

Kelly Taylor Macy's Updated on 12/30/2023 at 11:18 am

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Greetings, savvy shoppers and deal enthusiasts! Today, we embark on a thrilling journey into the world of the Macy’s Credit Card. It’s not just a piece of plastic; it’s a gateway to rewards, discounts, and a touch of sparkle in your shopping escapades. So, buckle up as we unravel the five essential things you need to know about Macy’s plastic companion.

Much like the allure of Macy’s department stores, the Macy’s Credit Card beckons with promises of rewards and discounts that can elevate your shopping experience. But, dear reader, don’t let the surface allure fool you. Beneath the shine, there lies a labyrinth of intricacies, from tiered rewards structures to limited redemption options. Today, we navigate this maze to help you make an informed decision about this piece of financial wizardry.

1: Two Cards, One Destiny

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First and foremost, let’s talk options. The Macy’s Credit Card comes in two flavors: a closed-loop card exclusively for Macy’s and an open-loop American Express card valid anywhere American Express is accepted. No annual fees – it’s like having your cake and eating it too!

2: Rewards Tiers – Ascend to Shopping Glory

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Ah, rewards – the heartbeat of any credit card affair. Macy’s, being the drama queen it is, introduces a tiered rewards system. Picture yourself climbing the rewards ladder:

– Silver: A modest 2% back for those spending between $1 and $499 annually.

– Gold: Elevate your status by spending between $500 and $1,199 to enjoy a 3% cashback ballet.

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– Platinum: The pinnacle of Macy’s royalty, where spending $1,200 or more annually earns you a dazzling 5% back on Macy’s purchases.

But wait, there’s more! The open-loop version adds a twist with rewards beyond Macy’s: 3% back at restaurants, 2% at gas stations and supermarkets, and 1% on everything else. It’s like having a rewards buffet!

How do you get 25% at Macy’s?

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If the Macy’s credit card eludes your grasp, fear not! Join the loyalty program as a “Bronze” member and earn 1% back in rewards. But here’s the golden nugget – the elusive 25% discount unveils itself on “Star Money Bonus Days,” and cardholders receive magical “Star Passes” in the mail.

3: Rewards Redemption – A Macy’s-Exclusive Affair

Earn points on every purchase and redeem them for anything at Macy's, including the latest fashion trends — Get rewarded for every purchase you make with Macy’s loyalty program

Picture this – you’ve amassed 1,000 points, and voila! A $10 Star Money reward materializes. But, and it’s a crucial but, these rewards are exclusive to Macy’s purchases in-store or online. Sorry, no gift cards or Beauty Box subscriptions. Plus, you’ve got a tight 30-day window to splurge – a sprint compared to other credit card programs.

4: Instant Gratification – The 20% Discount Dance

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Opening the Macy’s credit card curtains is like opening Pandora’s box of discounts. A 20% off extravaganza awaits on purchases made the day you’re card-approved and the following day. It’s a shopping spree, but do note, not all items join the discount party – Apple products and gift cards RSVP ‘no.’

5: The Perks – Beyond Rewards

As if the discounts weren’t enough, Macy’s throws in some extra goodies. Make a purchase, and behold – free standard shipping on all Macy’s credit card purchases. No minimums, no strings attached, except for a few exclusions like furniture, mattresses, and rugs.

What does Macy’s do for birthdays? Does Macy’s give free birthday gifts?

The burning question – what about birthdays? Fear not, birthday celebrants! A birthday “surprise” awaits you, but there’s a catch. You’ll need to have used your Macy’s credit card in the last 12 months. Anecdotal whispers hint at $10 discounts, but you might have to waltz into a Macy’s store to unwrap your birthday gift.

In conclusion, the Macy’s Credit Card is like a double-edged sword – gleaming with rewards and perks but veiled in limitations. The choice, dear reader, is yours. So, dive into the world of Macy’s magic, armed with the knowledge to conquer the discounts and navigate the nuances.