Most applicants approved for a Macy’s Credit Card have a FICO® Score of 600 or higher. For the Macy’s American Express® Card, you’ll likely need 670+; ideally, 700+. Additional factors like income, debts, and credit history are also considered.
Checking and Improving Your Credit Score
To check your credit score, use free services like Credit Karma. To improve it:
- Pay bills on time
- Lower balances on credit cards
- Review credit reports for errors
- Correct any errors by disputing them
Card Approval and Usage
Once you’re approved, you should receive your new Macy’s Card within 7-10 business days of your account opening. Look out for exclusive offers delivered with your card that you can use instantly!
Where Can You Use Macy’s Cards?
- A Macy’s Credit Card can only be used for Macy’s purchases.
- A Macy’s American Express Card can be used at Macy’s and everywhere American Express cards are welcome.
Applying for a Macy’s Card
You need good or excellent credit (700 or higher) to get the Macy’s Amex, and at least fair credit (640 or higher) to get the Macy’s Store Card. Macy’s store cards are somewhat harder to obtain than most store credit cards.
Requirements for Applying
To be approved for a Macy’s Credit Card, you must meet the following requirements:
- You must be 18 years of age or older.
- You must provide a U.S. Social Security number.
- You must provide a third-party credit card account number for verification purposes.
Note, when you apply for a Macy’s credit card, a hard inquiry will be placed on your credit report. This inquiry may temporarily lower your credit score.