Activate Macy’s Credit Card using Macy’s digital wallet

If you’re looking for a great credit card for shopping online, Macy’s Credit Card is the best option. You can activate Macy’s credit card by phone via With a variety of appealing services, including online purchasing, in-store shopping, and online bill payment, Macy’s Credit Card is a great choice for anyone who likes to shop. And with Synchrony Bank as the issuer, you can be sure you’re getting a great deal.

However, Macy’s Credit Card can be challenging to obtain because approval requires at least excellent credit of 700 or even better. So if you’re looking to take advantage of all the great deals and incentives Macy’s Credit Card has to offer, be sure to check your credit score first. Our post will help discover how to activate Macy’s gift card using, and the steps for Macy’s credit card login, Macy’s credit card payment, and Macy’s credit card application as well.

What is used for?

The Macy’s Credit Card can be used for financing the purchase of Macy’s Gift Cards at any Macy’s or Bloomingdale store. The Credit Card has no foreign transaction fee, no late fees, and no annual fee. The Macy’s Credit Card is issued by Comenity Bank, which also offers the Macy’s MasterCard branded store credit card and offers rewards for in-store and online purchases, plus it provides special discounts and promotions that shoppers can use to their advantage. You can enjoy all these benefits after activation of your card with the authorized page:

The Macy’s Credit Card has a 0% APR for 12 months on purchases and balance transfers made within the first 60 days and 10% off all purchases including sale items at Macy’s and Bloomingdale’s. The Macy’s Credit Card rewards cardholders with Macy’s Cash. Macy’s Cash is earned at a rate of 1% on all purchases made with the Macy’s Credit Card. 

NOTE: Macy’s Cash expires one year from the date earned.

How to apply for the Macy’s Card in two ways?

Online Card Application:

  1. Navigate to Macy’s website. To apply for a Macy’s credit card, simply complete the online application form. You can do so from the comfort of your own home. 
  2. Go to Macy’s corporate website. There should be a search bar at the top of the screen. Enter “Macy’s Credit Card.” You should be given a list of buttons, one of which should say “Apply Now.” Select this button.
  3. You will then be asked for basic contact information. Your entire name, e-mail address, address, city, state, zip code, and phone number will be required by Macy’s.
  4. After entering this information, you will be asked to check a box indicating that you agree to the terms and conditions. 
  5. You will then be brought to a screen that summarises the data you just entered. You will be prompted to confirm the accuracy of this information. After that, you can apply for the card.

Getting the Card in the Store:

  • You can apply for a card in-store at some Macy’s locations. For a variety of reasons, you may want to submit a paper application. Inquire at the store if you may apply for a standard Macy’s credit card there. You can inquire with a cashier at the counter or at the customer service desk.
  • If you want to apply for a card in-store, you must complete a paper application. Basic personal information such as your name and address, as well as sensitive information such as your social security number, will be required. You may be required to provide a copy of your driver’s license depending on the store’s requirements.
  • When you receive your Macy’s credit card, you must activate it. You can activate your card by visiting Macy’s website and clicking the “Activate My Card” button. You will then provide information such as your name, birth date, and credit card number.
  • Your card should then be activated. If you have trouble navigating the internet, call Macy’s customer support at 1-888-257-6757 to activate your card. Monday through Saturday, 9 a.m. to 10 p.m. EST, and Sunday, 11 p.m. to 8 p.m. EST.

How to use Macy’s card after activating at

You can join Macy’s free VIP Reward Program online. However, Macy’s credit card is a better option if you want additional savings and perks. For example, you will earn 5 points for every $1 spent at Macy’s and 1 point for every $1 spent at Macy’s home. You can also earn double points when you make purchases of $20 or more. You can use your points to get a 10% discount on your next purchase at Macy’s. Macy’s credit card gives you 4% back on Macy’s purchases made online and 3% on purchases made at Macy’s stores. You can earn an additional 3% back when you buy Macy’s gift cards. The card has no annual fee, no penalty APR and no foreign transaction fee.

Before indulging in the super-easy activation process of your card make sure that you have your Macy’s Credit Card near you. This is just to make the process faster as you will be asked to give some of your card details during this procedure. So, let’s start the activation via!

  • Starting with the procedure, open a usual web browser on your smartphone, laptop, or computer and move to Macy’s credit card activation page by entering the URL –
  • You will be moved to a new page called the activation page. Here you will be asked to enter your credentials like the Card Number, the Last 4 Digits of the Primary Cardholder’s SSN, your Name ( same as given on your card), and the Security Code. Please fill in the information carefully.
  • After entering all the required information, click on the tab saying “Add this Card to My Wallet”. By doing this, you will have easy and swift access to online and in-store checkouts.
  • Satisfied with the information provided, you can now click on the “Verify” tab.
  • Once verified, you just have to go through the procedure shown on the screen carefully and your activation process of the Macy’s card will be successfully completed.

Following all these steps may result in you falling into some trouble. But, don’t worry as the below-given steps will sort out all your troubles and barriers coming in between the activation process.

  • Open Macy’s main website via the URL – on your computer, laptop, or smartphone.
  • Now, move down to the bottom of the page. There you will see the “Customer Service” option, click on it.
  • Furthermore, from the options shown under Customer Service click on the “Contact Us” option. 
  • There are multiple ways by which you can contact us. Choose the option which you find appropriate according to your needs.

Brownie Read: Activate First Premier Card

Macy’s credit card login and payment online

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:

  • Navigate to Macy’s online account page here.
  • Simply click “Create Account.”
  • Click “Create Account” after entering your name, email address, password, and birthday.
  • Benefits from Credit Cards.

Just after you are done with your account setup, follow these steps to make a payment:

  1. Log in to Macy’s online account using your email address and password by visiting the website.
  2. Simply click “Make a Payment.”
  3. To choose your payment amount, due date, and authorized account, simply follow the on-screen instructions. You have to remember that Debit cards cannot be used to make payments.
  4. Finally, confirm and submit your payment. Your account balance may not show your payment for up to three days.

What are the rewards and points you get at Macy’s?

The Macy’s Credit Card is a store loyalty card that earns rewards in the form of Macy’s store credits, which can be used for shopping at Macy’s stores or on their website. Customers spend $1,000 or more per year on Macy’s Credit Cards to get the first 20,000 points. For every dollar spent after that, cardholders get 1 point. Points can be redeemed for Macy’s gift cards, Macy’s coupons, or Macy’s store credits, and there’s no expiration date on points.

Customers get 10% off all purchases in Macy’s stores, and Macy’s cardholders can receive an additional 20% off every purchase made throughout the year. Cardholders also receive free shipping on every purchase they make. Cardholders can get free shipping on purchases outside of Macy’s stores if they spend $50 or more. Macy’s Credit Cardholders also get 10% off online at, 20% off at on Tuesdays, and 30% off during the Macy’s Friends & Family Sale. Cardholders can redeem 25% off Macy’s coupons.

Wrapping Up

We encountered some simple steps of activation at The Macy’s Credit Card is a basic store-loyalty card that offers rewards to frequent shoppers with a store credit that can be used for future purchases from their stores. The card unlocks special discounts and promotions that not only provided customers an additional incentive to purchase but also make a saving.

Macy’s Credit Card rewards customers with a 4% reward on purchases made in-store, 3% on purchases made online, 1% on purchases made on Macy’s app, and 0.5% on purchases made elsewhere. The rewards can be redeemed for Macy’s gift cards, Macy’s Cash, Macy’s merchandise, or Macy’s credit card purchases. Customers are given 2% cash back on purchases made at Macy’s department stores and 1% on purchases at Macy’s outlet stores. We hope you learned to activate using

Frequently Asked Questions (FAQs):-

How to use a Macy’s gift card to purchase online?

If you visit the store’s website, you can essentially “create an account” even if you don’t shop at Macy’s. When you shop for them online, you can add gift cards to be kept on hand for when you need them by logging in through your account. Additionally, you will have a credit card for online buying, and you can choose the payment method you want to use at “checkout.”

On Amazon, it will automatically use your gift cards, so be sure to PICK the form of payment each time. In the event that you are saving the gift cards for a later time, you must choose the payment method you want to utilize.

Macy’s credit card is issued by which bank?

The Macy’s Store Card is issued by Department Stores National Bank (“DSNB”). Minimum payment will be needed for an account with a balance, and you may be charged a late fee if you fail to make any required minimum timely payments. The Macy’s Store Card would only be used in Macy’s and on

What is the maximum credit limit at Macy’s?

Credit limits range from $500 to $8,000, with reviews reporting limits ranging from $500 to $8,000. You may get a Macy’s card in person or online.

Where can I use my American Express Macy’s credit card?

The American Express® Card from Macy’s can be used everywhere American Express is authorized. The Macy’s Card, on the other hand, is a closed-loop credit card that can only be used at Macy’s, Macy’s Backstage, and online at

Is there a hard inquiry on Macy’s credit card?

Yes, the Macy’s Store Card is capable of doing a strong pull. To obtain it, you must have a credit score of 640 or above. This indicates that the Macy’s Shop Card requires fair credit, which is standard for store cards.

Does Macy’s use a strong pull to boost credit?

(Macy’s, Bloomingdale’s) DSNB A CLI can only be requested once every six months. Some individuals have claimed that if you call, they can determine if you are qualified based on their requirements, and if you are not, you may simply stop by asking them and no pull will be performed.

Is there an annual charge for Macy’s credit card?

The Macy’s Credit Card, like other retail credit cards, has a 27.49 percent APR. It also does not charge a yearly fee, although it does charge a regular late fee (up to $38) and a returned payment cost (up to $38).

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