Pay your Macy's credit card bill through the Macy's website or the Star Rewards mobile app
You can pay your Macy's credit card balance online without leaving home. Macy's offers two main ways to make a payment: through their website at macys.com or through the Star Rewards mobile app. Both routes let you pay in full, make a minimum payment, or choose any amount in between. Payments typically post to your account within one business day.
You will need your Macy's card number and your online account login to get your free guide. If you have not set up an online account yet, you can create one during the payment process using your card number and Social Security number.
Key Takeaways
- Log into your Macy's account on macys.com or use the Star Rewards app to reach the payment section.
- You can pay from a checking or savings account, or use a debit card to make a payment.
- Payments usually post within one business day, but allow extra time if you pay close to your due date.
- If you miss a payment or want to set up automatic payments, you can manage both through your online account settings.
- For questions about your specific account or balance, contact Macy's customer service at the number on the back of your card.
Pay through the Macy's website
Go to macys.com and select "Credit Card" from the top menu. Click "Pay Your Bill" or look for a link labeled "Make a Payment." You will be asked to log in with your username and password. If you do not have an account, select "Create Account" and enter your card number, last name, and Social Security number to set one up.
Once logged in, your current balance and due date will appear on the screen. Enter the amount you want to pay. You can choose to pay in full, pay the minimum due, or enter a custom amount. Select your payment method — either a checking or savings account (you will need to provide routing and account numbers) or a debit card. Review the details and confirm the payment. You will receive a confirmation number on screen and by email.
Pay through the Star Rewards mobile app
read the Star Rewards app from the Apple App Store or Google Play Store. Open the app and log in with your Macy's account credentials. If you do not have an account, you can create one in the app using your card number and Social Security number.
Tap "Pay Bill" or "Make a Payment" (the exact wording varies by app version). Your balance and due date will display. Enter the payment amount, select your payment method (bank account or debit card), and confirm. The app will show a confirmation number once the payment is submitted.
What payment methods Macy's accepts online
Macy's accepts payments from a U.S. checking or savings account and from debit cards. You do not need to use another Macy's card or a Visa or Mastercard to pay — a bank account works just as well. If you use a debit card, make sure it is not the same card you are trying to pay off (you cannot pay a credit card with itself).
Macy's does not accept payments by mail through their website or app, but you can mail a check to the address printed on your billing statement if you prefer not to pay online. Phone payments are also available by calling the number on the back of your card.
How long it takes for your payment to post
Payments made online typically post to your account within one business day. If you pay on a Friday evening, for example, the payment may not show until Monday. If your due date is coming up soon, do not wait until the last day — submit your payment at least two business days before the due date to make sure it posts on time and avoids a late fee.
Once your payment posts, your available credit will increase and your balance will decrease. You can check your updated balance by logging back into your account or calling customer service.
Set up automatic payments to avoid missing a due date
You can arrange for Macy's to withdraw a payment from your bank account automatically each month. Log into your account on macys.com, go to "Account Settings" or "Manage Account," and look for "Automatic Payments" or "AutoPay." Select the amount you want to pay each month (full balance, minimum payment, or a fixed amount), choose the day of the month you want the payment to come out, and confirm.
Automatic payments will continue each month until you turn them off. You can change or cancel them at any time through your account settings. This option is useful if you want to make sure a payment never misses the due date, but remember that the amount you set will come out even if your balance is lower that month.
What to do if your payment does not go through
If your payment is rejected, you will see an error message on the screen explaining why. Common reasons include incorrect bank account or routing numbers, insufficient funds in your account, or a mismatch between the name on your bank account and the name on your Macy's card. Correct the information and try again, or use a different payment method.
If you submitted a payment and it has been more than two business days without it posting, contact Macy's customer service at the number on the back of your card. Have your confirmation number ready. A representative can look up the payment and tell you whether it is still processing or if there was a problem.
Frequently Asked Questions
Can I pay my Macy's bill with another credit card?
No. Macy's only accepts payments from a bank account or debit card online. You cannot pay a credit card with another credit card through their website or app. If you want to use a different card, you would need to call customer service to ask about phone payment options, though most card issuers do not allow credit-to-credit payments.
What happens if I pay after my due date?
A late fee will be added to your account if your payment posts after the due date. The amount of the late fee varies and will be shown on your billing statement. Paying late can also affect your credit score. If you have missed a payment, contact Macy's to discuss your options — some customers can have a single late fee waived if they have a good payment history.
Can I pay someone else's Macy's bill?
You can pay a bill if you have the cardholder's permission and account information, but you will need to set up your own online account or call customer service to make the payment. Macy's does not allow payments to be made on someone else's account through a shared login. Call the number on the back of the card to discuss payment options if you are paying on behalf of someone else.
Is it safe to pay my Macy's bill online?
Macy's uses encryption and security measures to protect your payment information when you pay through their website or app. Only enter your information on the official Macy's site or app — do not click links in emails or texts claiming to be from Macy's, as these may be fraudulent. If you are unsure whether a link is real, go directly to macys.com or open the app yourself.
Can I get a receipt for my online payment?
Yes. You will receive a confirmation number on screen when you submit your payment, and Macy's will send a confirmation email to the address on file. Keep this email as your receipt. You can also log into your account anytime to view your payment history and see when each payment posted.