Can I use my Macy’s credit card anywhere?
There are two versions of cards offered by Macy’s. The first one is a closed-loop Macy’s card, which can only be used in Macy’s stores and nowhere else, and the other is the open-loop American Express Macy’s card, which can be used everywhere where American Express is accepted as a payment method. Both have their benefits, and there is no annual charge for any of the cards.
How do the rewards work in Macy’s?
Now when you talk about the store rewards, they have made three groups for that, which are:
Silver: this is the group that is cardholders but spends only a sum of $1 to $499 per year shopping at Macy’s. Therefore, they only get 2% cashback on every purchase at Macy’s. Customers who spend between $500 and $1199 per year earn 3% cashback on all purchases at Macy’s. Platinum: this is the group that spends more than $1200 on Macy’s every year, and therefore they get 5% cash back or discount on every purchase of Macy’s.
In addition to that, customers who have got the American Express card from Macy’s get the above-mentioned cashback, and in addition to that, they get cashback outside of Macy’s in this format:
They get 3% cash back on purchases made at restaurants, including delivery, which means if they pay with Macy’s credit card at any restaurant, they will get 3% cashback. They get 2% cash back on purchases at gas stations and supermarkets. And apart from this, if they pay with the card anywhere else, they get 1% cashback on every purchase.
What is the point of money exchange at Macy’s?
For what can you not use the points on Macy’s purchases?
There are some exceptions to the purchase, which are:
You cannot use your reward points to buy gift cards from Macy’s. You cannot use the points for Macy’s beauty box subscription. And if you want to alter a thing or two, like jewelry bought from Macy’s, for that also, you cannot use the earned rewards points.
What are the other perks offered by Macy’s credit card company to their cardholders?
Other than the cashback and some other discounts, Macy’s cardholders also get offered perks like:
The day you get approved for the card and the day after, the customer gets a new welcome discount on almost all their purchases, which means he/she gets a total of 20% off on their purchases, where the limit of the discount is $100. There are some exclusions to this deal, like Apple products and gift cards, which will not be included in this special offer. The customer who is a cardholder will get free shipping on every order, but there are some exceptions to this deal, like mattresses, furniture, and rugs. They also give birthday discounts to the cardholders, which may vary, but on average, the customer earns a total discount of $10. But this deal will be valid for the cardholder only if he/she has made at least one purchase in the last 12 months.
Conclusion
So if you have the open-loop card from Macy’s, then you can use it anywhere where they accept American Express as a payment method, but if you have the closed-loop card from Macy’s, then you can only use it for Macy’s purchases. The amount you spend at Macy’s determines your tier and the number of discounts you are eligible for. Applying for a card is easy, and the credit check won’t be a hard one.
What is the highest credit limit on Macy’s credit card?
It ranges from $500 to $2,500, which is determined by the company depending on your income and credit score.
