Credit Cards
recommended by
our experts

Get Cards
Selected cards:
ADVERTISER DISCLOSURE
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.

Macy’s Credit Card Alternatives

Best Alternatives to Macy's Credit Cards
BEST for EXCELLENT Credit

0% Intro APR on Balance Transfers and Purchases.

No Annual Fee.

Great Rewards Programs.

BEST for FAIR Credit
Credit One Bank® Platinum Credit Card with Rewards

Find out if you Pre-Qualify without affecting your credit score

This unsecured card provides opportunities to raise your credit score

Receive opportunities for credit line increases, a fee may apply

Best Alternatives to Macy's Credit Cards

Card Name Credit History Intro APR Purch. (Intro Period) APR % Annual Fee Rewards Apply / Details
WebBank/Fingerhut Credit Account
WebBank/Fingerhut Credit Account
Bad
n/aSee Terms$0n/a
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Apply
Online
Horizon Gold Credit Card
Horizon Gold Credit Card
Bad
n/a0.00%See Termsn/a
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply
Online
National Credit Direct
National Credit Direct
Any
n/a0.0%$49Points
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Apply
Online
Select the cards you like and compare them
Selected cards:

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.

6 In Accordance with Terms and Conditions.
About Us | Contact Us | Privacy Policy | Terms of Use | Site Map
* The CreditCardSpecialist.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. CreditCardSpecialist.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the CreditCardSpecialist.com website are property of their respective owners.
We do our best to maintain the information accurate at CreditCardSpecialist.com. However, all the credit cards information is subject to change and presented without warranty. See the up to date credit card terms and conditions on the secured credit card application page. Note that CreditCardSpecialist.com may be compensated by credit card issuers when visitors apply for a credit card through the links on this website.
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.
Disclosure: Not an access card.