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Macy’s Credit Card Alternatives

Best Alternatives to Macy's Credit Cards
BAD Credit?

$500 Credit Limit. No Credit Check.

Must have Active Debit Card or Credit Card to qualify.

LIMITED or NO Credit?
WebBank/Fingerhut Credit Account

No Annual Fee. See WebBank/Fingerhut Credit Account Terms.

No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.

Best Alternatives to Macy's Credit Cards

Card Name Credit History Intro APR Purch. (Intro Period) APR % Annual Fee Rewards Apply / Details
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Bad/No
n/a9.99% (Fixed)$48n/a
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
Poor
N/A19.99%-25.99% Variable$0 - $99Cash Back
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
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Reflex Mastercard®
Reflex Mastercard®
Fair/Bad
N/A29.99%$125.00 for the first year, after that $96.00 annuallyn/a
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Checking Account Required
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The More you Shop, the More you Need Macy's Card

When life gets tough, the tough go shopping. Or at least, they do if they have a Macys credit card. That's because Macy's cardholders know that they get great deals and access to exclusive sales just by carrying a Macy's card tucked in their wallet. Whether it's a Star Rewards coupon for 20% off or a members-only preview sale, buying the things you need - and want - has never been easier or more rewarding than when you apply for Macys credit cards and enjoy shopping at Americas premier department store.

If you are ready to get started filling out a Macys credit card application, first you should acquaint yourself with the basic details and terms of the different cards offered. That's right there is more than one Macys application because there is more than one card offered. There is the basic store card and the American Express version. And there are two different levels of Macy's American Express membership as well: Preferred and Basic.

Know the Difference

The difference between the two basic kinds of Macys credit cards is where you can use them. Store brand Macy's cards can only be used to make purchases at Macy's stores or online at macys.com. AmEx cards, on the other hand, are accepted at thousands of different retailers, restaurants, hotels and airlines around the globe. That means when you apply for Macys credit card you should think about where you will primarily use the card.

Both the store Macy's card and the AmEx card carry a variety of benefits for Macy's fans. All through the year, members get access to special promotions, including discounts when they first sign up. Holiday savings opportunities are big too, as Macy's sends out its most valuable coupons around back-to-school season and in time for Christmas shopping.

If you choose to use Macys online applications then you will be limited to the Macy's store credit card. Thats because although Macys credit card applications come in two versions, only one is available via Macys online application. The Macy's American Express card (both the preferred and the regular one) must be applied for in a Macy's location.

Why choose one card over the other?

The AmEx version is better for people who plan to use the card for general use. They will earn between 1% and 3% back in rewards for every dollar they spend. However, some people prefer the basic store card with its simple Star Rewards plan that lets them save on everything Macy's offers. From dresses to dishes, Macy's carries a wide variety of merchandise to satisfy the pickiest gift recipients or send the biggest retail therapy junkie into a relapse.

Don't worry though. You can afford to do as much retail therapy as you need when you are a Macy's Star Rewards member and you have a Macy's credit card in your hand. So take a look at Macys applications today.

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CreditCardSpecialist.com, an independent, advertising-supported website, receives compensation from the companies whose offers appear on the site. This compensation impacts where and how credit products appear on our site, including, for example, the product listing order in which they may appear on separate pages. CreditCardSpecialist.com does not present or review all available credit or financial offers.
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