How To Activate Macy’s Credit Card: Steps, Benefits, Payments, Functions, and More

Macy’s Credit Card: One of the most well-known retail chains in the US is Macy’s Inc. (M), which has franchises for Macy’s Backstage, Bloomingdale’s, Bloomingdale’s Outlet, and Bluemercury in addition to the department shops Macy’s and Bloomingdale’s. According to the company’s annual report, 725 locations are now open. The largest retail brand, Macy’s, has about 510 locations.1

The corporation reported $24.46 billion in FY sales and 88,857 full- and part-time employees as of Jan. 29, 2022, in its 2022 annual filing.2In February 2020, Macy’s made the decision to eliminate 125 shops by 2021 and refocus on their digital channels, off-mall presence, and modernise logistics and infrastructures in an effort to put the company in a long-term position for profitable growth.

With the exception of the six shop closures planned in Q4 2021, which are anticipated to close in Q1 2022, the firm announced a change in strategy in November 2021 and delayed the other scheduled store closings. The business is concentrated on bolstering its omni-channel ecosystem while taking into account its retail portfolio more.

Macy’s Credit Card

Customers of Macy’s have two credit card options: the Macy’s credit card and the Macy’s American Express card. The Macy’s credit card can only be used in-store, online, or at Macy’s, Macy’s Backstage locations; Bloomingdale’s locations are not permitted to accept it. Anywhere that accepts American Express, you can use the Macy’s American Express card. Customers may anticipate to provide the personal information typically provided when applying for a credit card whether applying for the credit card online or in-person at a store.

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How To Activate Macy’s Credit Card?

Be sure you have the credit card information on hand before implementing the procedures below.

Go to macys.com/activate to access Macy’s credit card activation page.
Provide the necessary details, including your card number, name as it appears on the card, security code, and the primary cardholder’s last four SSN digits.
After entering all the necessary data, click Verify.
To finish the activation process for your Macy’s credit card, adhere to the on-screen instructions.

Phone activation

Call 1-888-257-6757 or the number listed on the activation sticker to activate your card. To activate your credit card, follow the on-call instructions to confirm your personal and payment information.

Through Mobile App

Install the Department Stores National Bank app on your smartphone, sign in with your login information, then tap the credit card activation button to activate your card. To finish the activation process, adhere to the on-screen instructions. Your personal information and credit card information can be requested.

These procedures will enable you to activate your Macy credit card. However, call 888 257 6757 to speak with card customer service if you experience any problems activating your card. They operate from 9:00 a.m. to 12:00 a.m. ET, Monday through Sunday. Call 711 if you need a TDD or TTY.

How can I apply online for a Macy’s credit card?

Click this link and choose “Apply for Macy’s Credit Card”.
Please fill out the space provided with the necessary data before clicking Continue. Before submitting the application form, please review the Terms & Conditions.
Your application’s eligibility will be checked.
You can continue with the process to receive your card if you are authorised.

How can I online report my misplaced Macy’s card?

Visit macys.com to report your Macy’s card as lost or stolen.
Log in to your account by choosing the My Account option.
After logging in, pick the Credit Summary option under Macy’s Credit Card.
Next, choose “I want to…” from the drop-down menu that is placed in the top right corner of the page. Select Report a Lost or Stolen Card after that.
On the following screen, submit your report by following the on-screen instructions.
A new card will be delivered to you within 7 to 10 days after your card has been blocked.

Benefits and Rewards

In 2017, Macy’s updated their Star Rewards member loyalty programme, offering three tiers of perks for cardholders based on their annual spending (silver, gold, and platinum).8

Customers of Macy’s Star Rewards made up around 66% of sales in the fourth quarter of 2021, an increase of 8% from the pre-pandemic quarter in 2019.9

All new accounts receive a 20% discount on their initial purchase. Customers who acquire 1,000 points in the Star Rewards programme will receive a $10 reward certificate. There are three levels:

• Silver: Customers who spend up to $499 annually receive advantages including 2% back, birthday surprises, and exclusive star passes for shopping events.

Customers who spend between $500 and $1,199 yearly are eligible for the Gold tier. The benefits for spending that much money include receiving 3% back, free shipping on any order (no minimum purchase required), and silver benefits.

• Platinum: This is the highest category and is only open to customers who spend at least $1,200 annually at Macy’s. All the benefits available on the higher tiers are available to these clients, and they also get 5% of every purchase back in rewards.6

Every brand-new account is created at the silver tier. If you do not return the qualifying items within that time period, you will automatically be upgraded after spending enough to get into the next tier. If you receive an upgrade, you will keep it for the rest of the current year and the following full calendar year (unless you receive a higher rank).

Types

When used in Macy’s, the Macy’s American Express card entitles the holder to the silver, gold, and platinum tiers, but it also comes with additional perks. Outside of Macy’s, it adheres to the 3-2-1 principle: The card provides its users 3% back in rewards for dining out or ordering takeaway, 2% back for shopping at grocery shops and gas stations and 1% back for all other expenditures.

It’s interesting to note that in 2018, Macy’s also introduced a tender-neutral option, which in Q4 2021 resulted in the addition of over three million new members to the loyalty programme. With this option, clients can join the reward programme regardless of their payment method and without a Macy’s credit card.

They are eligible for what Macy’s refers to as the Bronze tier and can earn 1% back, enjoy member-only benefits, and receive an annual birthday surprise just like higher-tiered cardmembers.6While there are no requirements for spending to remain in the Bronze category, you cannot advance to Silver without first creating a Macy’s account.

Obtaining a Macy’s credit card

You can apply for both the Macy’s and the Amex versions simultaneously, and then choose the one you want. Both credit card applicants are also eligible for a 20% discount on purchases for the same day and the following, up to a maximum of $100, following a credit inquiry and approval.

As of 2022, the variable APR for the Macy’s Credit Card and Macy’s American Express card is 30.49%, and late or returned payment penalties can cost up to $41.

Payment Options

Online Payment

You must first create an account in order to make an online payment using your Macy’s store credit card or Macy’s American Express® credit card:

Open your Macy’s online account.
You should choose “Create Account.”
Enter the required information (name, email address, password, and birthday), then click “Create Account.”

Following account setup, follow these steps to make a payment:

Visit the Macy’s website and log in using your email address and password.
You should choose “Make a Payment.”
Follow the on-screen instructions to choose the payment amount, the payment date, and the authorised account from which to make the payment. Keep in mind that you cannot pay with a debit card.
Verify your payment and submit it. Your account balance may not show your payment for three days.

How to Configure Macy’s Bill Pay Autopay?

You can sign up for autopay to guarantee that your money is received on time. You can plan your payments to be handled automatically on a specific date with autopay. This is how:

Log in on the Macy’s online account page.
The “Enrol in AutoPay” link should be chosen.
To finish the transaction, enter a payment source if necessary and follow the on-screen instructions.Autopay payments are not accepted with debit cards.

How to Make a Payment Over Phone?

It’s simple to pay with a credit card over the phone at Macy’s. This is how:

Dial 888-257-6757 to reach Macy’s credit card customer support.
The automated attendant will ask you to briefly explain the purpose for your call. You can say “pay my bill” or “make a payment.”
To finish the payment, enter the payment amount, your bank account number, and the bank routing number.

Every day from 9 a.m. to 12 a.m. EST, customer service representatives are accessible.

How to Pay with a Credit Card at Macy’s by Mail?

You can also pay with a credit card by mailing a cheque or money order to the relevant address together with the tear-off payment coupon seen in your billing statement, albeit it might not be the fastest method:

Card type: Macy’s credit card Card address:P.O. Box 9001094 Louisville, KY 40290-1094 is the address for Macy’s credit card payments.

American Express® Card from Macy’s: P.O. Box 9001108, Louisville, KY 40290-1108 is the address for Macy’s American Express Account Payments.

Consumer Payment Dept Quick Payments: 6716 Grade Lane Building 9, Suite 910, Louisville, KY 40213 Attn

If you frequently shop at Macy’s, it is worthwhile to apply for the Macy’s Credit Card. Users of the Macy’s Credit Card benefit from a $0 annual fee, rewards of up to 5 points every $1 spent at Macy’s, and a 20% discount on your initial purchase.

Additionally, obtaining a Macy’s card is simpler than you may imagine. If you don’t meet the requirements for the Macy’s Credit Card on the American Express network, you will automatically be considered for the Macy’s Store Card, which calls for a minimum of fair credit. The only significant difference between the two cards is that the Macy’s Amex can be used everywhere that accepts American Express, whilst the store card can only be used at Macy’s.