Who Issues the Macy’s Credit Card

The Macy’s Credit Card is issued by Citibank, through its Department Stores National Bank subsidiary under the Citi Retail Services division. While the card carries Macy’s branding, all financial operations including credit decisions, billing, payments, and customer service are handled by Citi.

Citi and Macy’s Inc signed a renewal in December 2021 extending their credit card partnership through March 2030. The store only Macy’s Credit Card can be used exclusively at Macy’s and Bloomingdale’s, while the Macy’s American Express Card can be used anywhere American Express is accepted. Apply at macys.com or in any Macy’s store.

Macy’s is a major American department store chain owned by Macy’s Inc, headquartered in New York City. It partners with Citi Retail Services to offer private label and co branded credit products to its shoppers.

Who Issues the Macy’s Credit Card?

Citibank, through its Department Stores National Bank subsidiary, is the issuing bank for both the Macy’s Credit Card and the Macy’s American Express Card. Citi Retail Services, a division of Citibank, manages the program.

This means when you apply for a Macy’s card, Citi runs the credit check, makes the approval decision, sets your credit limit, and manages all ongoing account activities. If you have a question about your balance, a payment, or a charge, you contact Citi, not Macy’s.

You can log in to manage your Macy’s card account through the Citi Retail Services portal linked from the Macy’s website. The phone number on the back of the card connects you directly to Citi customer service for Macy’s cardholders.

What Are the Macy’s Credit Card Options?

Macy’s offers a store only Credit Card usable at Macy’s and Bloomingdale’s locations, along with a Macy’s American Express Card that can be used anywhere American Express is accepted.

Both cards earn Star Rewards points toward Macy’s loyalty tiers, with the American Express version also earning rewards on purchases made outside of Macy’s and Bloomingdale’s.

Neither card charges an annual fee. Both offer periodic discount days and special financing promotions exclusive to cardholders throughout the year.

How Long Has Citi Issued the Macy’s Card?

Citi and Macy’s Inc have partnered on credit card financing for many years, and the two companies extended their agreement again in December 2021, locking in the relationship through March 2030.

This long term contract gives Macy’s shoppers confidence that Citi will remain the issuer for the foreseeable future, avoiding a repeat of the kind of issuer switch that happened with Old Navy and Barclays, as reported by Bloomberg at the time of the renewal.

Citi Retail Services also issues cards for other major retailers including the Home Depot Credit Card and Best Buy Credit Card, making it one of the largest private label credit card issuers operating in the United States today.

Macy’s Card Vs Nordstrom Card: How Do They Compare?

Macy’s and Nordstrom are both major department store chains, but their credit cards are issued by different banks, Citi for Macy’s and TD Bank USA for Nordstrom, which affects how billing and support work behind the scenes.

Both retailers offer a store only version and a broader network branded version, giving shoppers a choice between narrower store specific benefits and wider everyday usability.

Loyalty program structures also differ, with Macy’s Star Rewards tiers based on annual spending, while Nordstrom rewards are tied to its own separate Nordy Club program.

What Credit Score Do You Need for the Macy’s Card?

The store only Macy’s Credit Card is designed for applicants with fair credit, while the Macy’s American Express Card, being a more versatile general purpose card, typically requires good to excellent credit for the best approval odds.

Applying triggers a hard inquiry on your credit report, which may temporarily lower your score by a few points. Checking for a prequalification option before applying can give you a sense of your approval odds without a hard pull.

Macy’s Star Rewards program offers tiered benefits based on annual spending, meaning frequent shoppers can unlock free shipping, birthday gifts, and higher cash back rewards as they move up through the loyalty tiers.

Frequently Asked Questions

Is the Macy’s Credit Card issued by Synchrony Bank?

No. The Macy’s Credit Card is issued by Citibank through its Department Stores National Bank subsidiary, not Synchrony Bank. Citi and Macy’s Inc extended their partnership through March 2030 as of their December 2021 renewal.

Can the Macy’s Credit Card be used anywhere?

The store only Macy’s Credit Card can only be used at Macy’s and Bloomingdale’s. The Macy’s American Express Card, however, can be used anywhere American Express is accepted, which is the key difference between the two card options.

How can I talk to Macy’s Credit Card customer service?

For all credit card account questions including payments, billing, and disputes, contact Citi directly using the phone number on the back of your card, or visit the official Citi contact page.

What’s the Macy’s Credit Card payment address?

Mailed payments should be sent to Citi at the address printed on your monthly statement, since Macy’s accounts are processed through Citi Retail Services. Always confirm the current address on your latest statement before mailing a payment.

What are the requirements to get the Macy’s credit card?

Applicants generally need to be at least eighteen years old, have a valid Social Security number, a US mailing address, and enough income to cover monthly payments, along with fair credit for the best approval odds. A full breakdown of what issuers typically look for is covered by the Consumer Financial Protection Bureau.

How do I make a Macy’s Credit Card payment?

Macy’s cardholders can pay online through the Citi Retail Services portal, through the Citi mobile app, by mail using a check or money order sent to the address on the statement, or in person at any Macy’s store register.

How do I make a Macy’s Credit Card payment by phone?

Cardholders can call the number on the back of their card to reach the automated Citi payment line and make a Macy’s Credit Card payment by phone, and a live representative is also available during business hours for help completing the payment.