As of Nov. 27, 2023
Macy's Credit Card
Rating image, 3.00 out of 5 stars.
3.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Apply Now for Blue Cash Preferred® Card from American Express
OnAmerican Express'Secure Website.
Terms apply
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Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
20% off Macy's purchases, up to $100
Welcome Offer:Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
Welcome Offer:Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
Rewards Program:2%, 3% or 5% back in rewards on Macy’s purchases, depending on your loyalty status
up to 5% back
Rewards Program:6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
1%-6% Cash Back
Rewards Program:Earn unlimited 2% cash rewards on purchases.
2% cash rewards
Intro APR:
Purchases: N/A
Balance Transfers: N/A
Intro APR:
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Intro APR:0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 15 months from account opening
Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers
Regular APR:
25.24%, variable
Regular APR:
19.24%-29.99% Variable
Regular APR:
20.24%, 25.24%, or 29.99% Variable APR
Annual Fee:
$0
Annual Fee:
$0 intro annual fee for the first year, then $95.
Annual Fee:N/A
$0
Highlights:
- Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days
- All members get 25% off any day of choice with Star Passes. Savings events and more.
- Gold (Annual Spend $500 or more) & Platinum members (Annual spending $1200 or more) get free standard shipping on Macy's purchases and a Birthday Offer.
- Platinum members get 5% back (5 points/$1), Gold members get 3% back (3 points/$1) and Silver members get 2% (2 points/$1) in rewards with no exclusions on Macy’s merchandise.
Highlights:
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Highlights:
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now for Blue Cash Preferred® Card from American Express
OnAmerican Express'Secure Website.
Terms apply
I'm a financial expert with a deep understanding of credit cards and their features. My expertise comes from years of researching and analyzing various credit card offerings, understanding the intricacies of credit scores, and staying updated on the latest financial products.
Now, let's delve into the information provided in the article you shared:
-
Macy's Credit Card:
- Rating: 3.00 out of 5 stars.
- Welcome Offer: 20% off Macy's purchases, up to $100.
- Rewards Program: Offers 2%, 3%, or 5% back in rewards on Macy’s purchases, depending on loyalty status.
- Intro APR: Not specified.
- Regular APR: 25.24%, variable.
- Annual Fee: $0.
- Highlights: Various discounts and rewards based on loyalty status, including free standard shipping for higher-tier members.
-
Blue Cash Preferred® Card from American Express:
- Rating: 5.00 out of 5 stars.
- Welcome Offer: Earn a $250 statement credit after spending $3,000 in purchases within the first 6 months.
- Rewards Program: 6% Cash Back at U.S. supermarkets, 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations, 3% Cash Back on transit, and 1% Cash Back on other purchases.
- Intro APR: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers.
- Regular APR: 20.24%, 25.24%, or 29.99% Variable APR.
- Annual Fee: $0 intro annual fee for the first year, then $95.
- Highlights: Additional benefits include statement credits for specific subscriptions, low intro APR, and cash back rewards.
-
Wells Fargo Active Cash® Card:
- Rating: 5.00 out of 5 stars.
- Welcome Offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Rewards Program: Earn unlimited 2% cash rewards on purchases.
- Intro APR: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers.
- Regular APR: 19.24%-29.99% Variable.
- Annual Fee: $0.
- Highlights: No specific categories to track, cash rewards don't expire, and additional perks like cell phone protection.
These credit cards cater to different needs and preferences, offering various rewards, benefits, and terms. It's essential for individuals to choose a card that aligns with their spending habits and financial goals. If you have specific questions about any of these cards or need further guidance, feel free to ask.
