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Friday, October 23, 2026 Independent since 2026. We are not a lender.

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Macy’s Credit Card from Citi: annual fee, APR and rewards

Fact sheet for the Macy's Credit Card, issued by Citi, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Annual fee	$0
Rewards	Earn points on Macy's purchases: 2 points per $1 for Silver members, 3 for Gold, 5 for Platinum; 1,000 points = $10 in Star Money.
Purchase APR	Purchase APR: 32.99% (rates may vary with the market based on the Prime Rate)
Sign-up bonus	Open a Macy's Card and get 30% off macys.com purchases today. Discount in store varies. Save up to $100.
Credit level	Excellent, Good, Poor (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 32.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. citi.com/credit-cards/citi-macys-credit-ca… · citi.com/gcgapi/prod/public/v1/prelogin/di…

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