For people who love to shop at Macy’s, the store now offers their customers different ways to save with their four Macy’s credit cards. Each credit card has its own benefits and they are based on how much you spend at Macy’s each year. 

Special Discount for New Macy’s Credit Card Applicants 

As a special incentive to get a Macy’s credit card, the store gives an immediate 15 percent off for shopping privileges. Those who are approved get this discount on the day of approval and the day after. There are some restrictions as to what can be purchased and still qualify for the discount, and it cannot be combined with other special offers. Some items may only have a smaller discount. 

The Macy’s Credit Card Is Based On Expenditures 

The four Macy’s credit cards are based on how you spend each year in the store. The Red Star Rewards credit card is for those who spend from $0 up to $499 annually. The Gold card is for those who spend between $500 to $999 annually; the Platinum range from $1,000 to $2,499, and the Elite is for shoppers who spend more than $2,500 annually. 

There are several benefits of having a Macy’s Credit Card. Card owners receive information about Monthly Savings Events, they can make easy returns of merchandise, and they can also manage their account online, which enables you to make a Macy’s credit card payment at any time. 

The Visa Versions of the Macy’s Credit Card 

For each of the four types of Macy’s credit cards, there is also a Visa version. You can get the Macy’s Visa Credit Card only by going into the store and applying there. Having the Gold, Platinum, or Elite Visa version of the card gives consumers opportunity to be enrolled in the Star Rewards Plus program. This program enables them to get special offers for travel, entertainment and dining, access to limited edition merchandise, special events, and more. 

The Macy’s Credit Card Star Rewards Program 

Rewards on the Macy’s Visa Credit Cards are given through the Star Rewards Plus Program. It rewards customers with either $10 (Gold) or $25 (Platinum or Elite) Rewards Certificates, depending on the level of card owned. Certificates can only be redeemed in the store. Points earned on the Visa cards range from one to 3.5 percent per dollar spent, depending on the card owned, and they also earn on point per dollar spent anywhere else. 

You can qualify for the Star Rewards Plus Program if you already have either a Gold, Platinum, or Elite Macy’s Visa credit card, and if you have spent more than $500 in the store in a year. You will also need to pass their credit approval. 

Get Access to the Macy’s Online Service 

Once you have a Macy’s credit card account, you can go online and view your information at any time, including information about charges, payments made, and upcoming Rewards. It will also give you access to the Macy’s credit card customer service, as well as the Macy’s credit card phone number. Paper statements can also be obtained through their Website. 

The best way to save on any credit card is to pay it off in full when the bill is received. This will help you avoid extra charges (if paid on time) and interest. The Macy’s credit card charges a standard 24.5 percent interest rate on all its credit cards.