Thanks for reading. The Macys credit cards and Star Rewards Program is quite convoluted in its structure, but once you break everything down it becomes easier to understand. $5 or 4% of each cash advance (whichever is greater), Silver (your automatic placement as a Macys cardholder). The benefits a cardholder receives are directly related to cardholder status level; well talk more about that below. wikihow amex expand If youre at Silver or Gold status in the Star Rewards program, you cant earn points outside of Star Money Days. So why doesnt everyone just get the Amex card? This applies at Macys stores as well as macys.com and Macys Backstage. Remember, your Star Rewards status (Silver, Gold or Platinum) has nothing to do with your credit score or which card you get, but rather your spending on these cards after you are approved. If you want a multitude of redemption options, look for a more general rewards-based credit card that offers the flexibility of cash-back or points (especially if they can transfer). The travel benefits include air, hotel, car, cruise, and vacation benefits. While it may seem like this is a very lucrative bonus structure (since it earns you category bonuses like many other popular rewards credit cards), the flexibility just isnt there in terms of rewards. Where the Macys American Express Card differs is in the ability to use it anywhere American Express is accepted, AND its additional rewards benefits earned outside of Macys stores. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! This perk applies to Gold and Platinum members only. On Star Rewards days, Platinum members earn extra bonus points on top of their 5% everyday benefit. Each time a cardholder moves up a tier, more benefits are released: Basicbenefits allottedto all members (Silver, Gold, & Platinum status): Star Money Days (earn points towards Star Money) 25% OFF (any one day you choose) Perks & offers (extra savings, event invites, etc.) card credit supermoney macy fee apr Whats important to remember is that the perks youre getting arent directly tied to the credit card itself, but the combination of the card and your Star Rewards status (Silver, Gold, Platinum). If your application requires further review or processing, youre not eligible for this discount. Macys FAQ on their Customer Service webpage states an authorized user/buyer can be added to a Macys Credit Card by contacting Customer Service via phone at 1-888-257-6757. Even though Macys is a department store with a pretty comprehensive merchandise selection, you dont get as much freedom in regards to utilizing your rewards, especially when restrictions apply. Actual savings will vary based on factors such as each users credit card APRs, the total payments made, and additional credit card charges. If you cant achieve this goal, you should pay off as much as you possibly can on time each month to minimize added expenses. But having credit cards from different issuers does not necessarily help your credit mix per se. Privacy PolicyTerms & ConditionsAccessibility. You wont receive points if you pay with your virtual wallet yes, even if youre using your Macys Card within the virtual wallet. If youre looking for a Macys rewards card that can be used anywhere, consider getting the Macys American Express Card. 5% back EVERY DAY (no merchandise exclusions):As mentioned above, this perk applies ONLY to Platinum members. Then, you need to activate your credit card. But the bigger problem is that you can only use your rewards AT Macys stores. Remember, only 1 application is submitted, and the Macys card you receive (basic vs. American Express) is based on your creditworthiness. Well present additional information on viewing/managing your rewards account in the Login & Online (Or App-Based) Account Management section below. Your credit mix is based on having different types of credit extended to you, like mortgages, auto loans, and credit cards. The online portal also allows you to track your purchases and manage your account. amex We calculated the estimates in March 2021, based on Tallys records for borrowers who enrolled in Tally from November 2018 through October 2020. Please be advised that we are not American Express, we are Upgraded Points, a blog specializing in providing resources for travel and credit card points/miles. Keep reading to find out why. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Additionally, once you finally earn your points, they can only be utilized at Macys. Access special benefits wherever you travel with your Card when you book online or over the phone.. Macys hosts several Star Money Day events throughout the year where Star rewards members can earn points (or bonus points if youre a Platinum member) toward Star Money. The Macys Credit Card is powered by Citibank, and you can now apply for the card online. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Perks & offers (extra savings, event invites, etc. Just the name Macys conjures up visions of upbeat ads for clothing and household wares, and memories of Thanksgivings spent watching massive floats parade through the streets of New York City. This means 5 points to every $1 spent, every day no waiting for Star Money Days to earn points. a card that has no foreign transaction fees. Expiration dates DO apply! Contact customer service over the phone at 1-888-257-6757, or online. You read that right: Star Money days are the only times that Star Rewards Silver and Gold members can earn points. Of course, too, the Marcys cards have extremely high APRs, which means youll be paying a lot of interest if you cant pay off your balance in full each month. a 15% off Memorial Day Sale for all shoppers) and allow rewards members to stack discounts with their ability to earn rewards. You wont receive points if you pay with your virtual wallet yes, even if youre using your Macys Card within the virtual wallet. And the more you shop there, the better benefits youll get. Prospective cardholders submit 1 application for a Macys card. prepaid thebalance credito nessuna tassa annuale Even mattresses and furniture apply if you purchase them in-store! Its important to note that your Star Rewards status is not tied to which credit card you have, but how much you spend at Macys. Instead, consider these cash-back credit cards that come with generous welcome bonuses and have a 0% introductory APR for 15 months: Alternatively, if you love to travel (or simply want to travel more), the Chase Sapphire Preferred Cardis widely known as one ofthebest travel rewards cards on the market. Your Macys Star Money is valid for 30 days from the date of issue. How to Earn Points)How Rewards Are IssuedUsing Your RewardsManaging Your RewardsAdditional Cardholder BenefitsFees & Drawbacks of the Macys CardAlternative Rewards Credit Cards (Our Recommendations)Applying for the Macys CardsLogin & Online (or App-Based) Account ManagementOnline ManagementApp-Based ManagementFinal Thoughts. below). Click the buttons below to navigate directly to that section. The Macys Credit Card is a basic store-loyalty card. Featured Image Credit:BravoKiloVideo/Shutterstock.com. With your card, if youre a Silver or Gold Star Rewards program member, you will only earn points toward Star Money (1,000 points = $10) on Star Money Days. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. My credit card mix is lacking an Amex and a Citi card. Based on your credit history, the APR (which is the same as your interest rate) will be between 7.90% - 29.99% per year. pay with your actual Macys Credit Card. The Ultimate Guide to Buying the Best Travel Insurance [For You], Credit Card Interest How Its Calculated & How To Avoid Paying It, https://www.macys.com/p/thanks-for-sharing/exclusions/, Wyndham Rewards Loyalty Program Review [2022], Capital One Venture Rewards Credit Card Full Review [2022], IHG Rewards Club Select Credit Card Full Review [2022], IHG Rewards Traveler Credit Card Review [2022], Blue Cash Everyday Card from American Express, Blue Cash Preferred Card from American Express. It also doesnt have an annual fee, but charges a standard late fee (up to $38), as well as returned payment fee (up to $38). So be sure you read your terms and conditions carefully. *To get the benefits of a Tally line of credit, you must qualify for and accept a Tally line of credit. So, are the Macys credit cards worth it? preferred macys You must notify us to withdraw any permission you give to an authorized user to use your account.. This is even the case with regards to the 3-2-1 earnings program associated with the Macys American Express Card. None of the Macys cards carry an annual fee, which is a big plus for lots of people. Points are not earned on Macys Credit Card purchases made outside of Macys, purchases made at restaurants inside Macys, on Beauty Box services, in any department that does not use a Macys point of sale register, on services, fees, sales tax, when redeemingStarMoneyor Macys Gift Cards or when paying with a virtual wallet.. That being said, you do receive additional benefits simply from qualifying for the American Express version of this card namely, the 3-2-1 out-of-store rewards). I have platinum status but didnt spend much this year. According to Macys website, you should have received the rewards in February. credit card macy lendedu learn This site does not include all credit card companies or all available credit card offers that are on the market. I never received my Thanks for Sharing rewards for the 2019-2020 season. Alternatively, if youre making a purchase online, your points wont be awarded until the item(s) actually ship. Macys states that its possible for an individual with a basic Macys Credit Card to eventually be issued an upgrade to the American Express version of the card. Table of contentsThe Macys Cards at a GlanceMacys Credit CardsMacys American ExpressCardsStar Rewards (In-Depth)Status Tiers & ProgressionStar Money Days (a.k.a. Youre about to find out. Neither Macys nor American Express (or Citibank for that matter) cite the exact qualifications for this upgrade. yield apy deposits Apply for a Macys Credit Card in store or online. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These are basically special coupons, invites to pre-sales, exclusive savings events, etc. With the basic Macys Credit Card, youll get benefits designed to make you want to shop more frequently at Macys. 2022 Upgraded Points, LLC. Alternatively, the general consensus in regards to approval for the basic Macys card is having a fair credit score. 25% OFF (any one day you choose):The terms and conditions dont say much about this, except your 25% off any 1 day you choose happens via a Star Pass coupon. Youll also note that if youre utilizing the Macys American Express Card, youll see fees attached for cash advances (always a poor idea with a credit card like this) and for foreign transaction fees. offer Tally Technologies, Inc. (NMLS # 1492782 NMLS Consumer Access, [See Licenses]). Or does it not show an option for a cash advance at all? When you open a Macys Credit Card, youre automatically enrolled in their Star Rewards program at the Silver level status. The new account discount is subject to change; at the time of writing this piece, its 20% off a purchase up to $100 over the first 2 days youre approved for a card. Just wondering why? Some basic benefits received with the Macys Amex card are also directly related to the Star Rewards Program status. See our Advertiser Disclosurefor more details. card credit macy supermoney macys The Macys Credit Card offers great savings and benefits, but the high 27.49% APR can wipe out your discounts if you dont pay your balance in full every month. They cannot be redeemed as a statement credit, only towards new purchases. Youll also notice that American Express cardholders also enjoy the opportunity to reap travel benefits and entertainment access.. However, most credit card review sites agree that the Amex version of this card is a lot tougher to qualify for. Like most store credit cards, the Macys Credit Card comes with an APR at 27.49%. If the 1,000-point threshold is reached while shopping in store, a notice will print at the bottom of your receipt for that purchase. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Free shipping (with no min purchase):This perk applies to Gold and Platinum members only. And like the Macys basic card, those who qualify for the Macys American Express Card are automatically enrolled in the rewards program at Silver Status (again, more on status progression, benefit differences, etc. It unlocks special discounts and promotions that will either give you additional incentive to shop there or save you money, if you already frequent Macys. We believe in separating the burden of credit cards from the benefits. When making a purchase, your Star Money will essentially be redeemed like a gift card. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Hot Tip: Silver and Gold members CANNOT earn points on everyday Macys purchases they only earn points on Star Money Days. 20% off your purchase of $50 or more). Hi Jacqueline Yes, Macys does allow for authorized users to be added to a current cardholders account. While brick-and-mortar department stores worldwide have taken a hit with the growth of online shopping, its clear that Macys has plans to stick around. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. So you should just apply for whatever credit card you think will be the most useful to you. 20% off your purchase of $50 or more). express card american macy savings