The main difference between the Macy’s cards is that the Macy's Credit Card can be used anywhere American Express cards are accepted, while the Macy's Store Card can only be used for purchases at Macy's and macys.com. But there are a few more things to consider when comparing these cards, too.
Macy's Credit Card vs. Macy's Store Card
| Category | Macy's Credit Card | Macy's Store Card |
| Initial Bonus | 20% discount when you open and use your card | 20% discount when you open and use your card |
| Ongoing Rewards | 2 - 5 points per $1 spent at Macy's (based on Member level), 3 points per $1 at restaurants including food delivery, 2 points per $1 at gas stations & supermarkets, and 1 point per $1 on all other purchases | 2 points per $1 spent at Macy’s normally, 3 points per $1 spent at Macy’s after spending $500 required spending in a year, 5 points per $1 spent at Macy’s after spending $1,200 in a year |
| Acceptance | Everywhere American Express credit cards are accepted | Macy's and macys.com |
| Annual Fee | $0 | $0 |
| Minimum Credit Required | Good credit | Fair credit |
Overall, the Macy's Credit Card is better because it can be used anywhere American Express is accepted, so you can get rewards on non-Macy’s purchases, too. The Macy's Store Card is still a very good option for people who shop at Macy’s frequently, and has more lenient approval requirements. Before applying for either card, you cancheck your credit score for free here on WalletHub.
Ultimately, it is worth noting that Macy's also offers gift cards. These are prepaid cards that can be used as a form of payment at Macy's department stores and on the Macy's website. They don’t allow cash withdrawals and they are also not reloadable.
This answer was last updated on 09/16/24 and it was first published on 12/15/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
