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2014-05-17 19:48:04
When you shop at Macy?s using their credit cards you not only get shopping convenience but you also get great special discounts and privileges that non-card holders would not have. Depending on the type of card you get, you can save a lot and even get rewards that you can use to purchase more stuff at Macy?s.
There are a total of 6 Macy?s credit cards that you can apply for. Their levels depend for the most part on how much you spend annually at Macy?s. The higher your spending limit is the higher the level the card which means more specials and rewards you get.
Of the 6 cards available, 4 are in-store credit cards and 2 are your regular credit cards. The 2 regular credit cards are all powered by American Express courtesy of Citi.
The four in-store credit cards give you card holder discounts as well as the ability to return merchandise without a receipt up to 180 days from the date of purchase. The only requirement is that you use one of these cards to purchase the merchandise.
The four cards are Red, Gold, Platinum and Elite. Red requires an annual spending of up to $499.99; Gold between $500 and $999.999; Platinum between $1,000 and $2,499.99; while for the big spenders, those who spend $2,500 annually, it?s the Elite card.
Then there are the two regular use credit cards. As mentioned above they are both powered by American Express. In order to qualify for them you need to pass two sets of criteria ? one is Macy?s own basic spending guidelines and the other is American Express? creditworthiness criteria.
Macy?s spending guidelines is dependent on your annual spending at Macy?s using their in-store credit card. In order to qualify for the basic American Express credit card you need to spend up to $999 annually. For the Preferred American Express credit card the amount is $1,000 and higher.
Both of them give you rewards and card holder discounts that non-card holders will have access to. They are even better than the in-store credit cards in this regard. The basic American Express gets special savings offers through Macy?s Star Rewards program, a daily wish from American Express which brings you handpicked products as much as 50% and emergency referral services when travelling. They also get monthly card holder savings and easy return policies with no receipt. The Macy?s Preferred American Express credit card has all the same benefits as the basic card with the addition of the unlimited $25 star rewards certificates and Macy?s preferred travel service.
The $25 star rewards certificates are Macy?s version of the cash back bonus rewards. When you purchase something using the Preferred American Express credit card every dollar you spent earns 3% for all purchases in-store and 1% for all other purchases. Once your earnings hit the $25 threshold, a rewards certificate automatically get sent through mail. You can use these good as cash to purchase merchandise in-store.
