Log in to your Macy's credit card account at macys.com
Go to macys.com and look for the "Account" or "Sign In" link, usually in the top right corner of the homepage. Click it, then select "Credit Card" or "Macy's Card" from the menu. Enter your card number (the 16 digits on the front of your card) and your password. If you have not set up a password yet, you will see a "Forgot Password" or "First Time?" option to create one.
Once you are logged in, your account dashboard will show your current balance, due date, recent transactions, and available credit. This is where you can make a payment, view your statement, update your contact information, or set up automatic payments.
If you have trouble logging in, check that you are using the correct card number — some people enter their PIN or a different card number by mistake. The password is case-sensitive, so make sure Caps Lock is off. If you still cannot get in, use the "Forgot Password" link to reset it, or call the number on the back of your card to speak with customer service.
Key Takeaways
- Visit macys.com, click Account or Sign In, and select Credit Card to reach the login page.
- You will need your 16-digit card number and your password to log in.
- Your account dashboard shows your balance, due date, and payment options once you are logged in.
- If you forget your password, use the "Forgot Password" link on the login page to reset it without calling.
- The customer service number on the back of your card can help if you cannot log in or need to set up an account for the first time.
Make a one-time payment from your account
After you log in, look for a button labeled "Make a Payment," "Pay Now," or "Payment" on your dashboard. Click it and you will see a payment form. Enter the amount you want to pay — you can pay your full balance, your minimum payment, or any amount in between. Choose your payment method: most accounts let you pay from a checking or savings account (using your routing and account number) or from a debit card.
Enter the payment details carefully. If you are paying from a bank account, double-check your routing number and account number — these are printed on the bottom left of your checks. If you are paying by debit card, enter the card number, expiration date, and CVV (the three-digit code on the back). Review the payment amount and date one more time before you submit.
You will see a confirmation number on the screen. Write it down or take a screenshot. The payment usually posts to your account within one to three business days, depending on your bank. If you pay after 11:59 p.m. Eastern Time, it may be treated as a payment for the next business day.
Set up automatic payments so you never miss a due date
Automatic payments remove the worry of forgetting to pay. Log in to your account, find the "Automatic Payments" or "AutoPay" section, and click "Set Up" or "Enroll." You will choose how much to pay each month — the full statement balance, the minimum payment, or a fixed amount you decide. Then pick the day of the month you want the payment to come out, ideally a few days before your due date.
Select your payment source: a checking account, savings account, or debit card. Enter the account or card details and confirm. Once it is set up, the payment will happen automatically every month on the date you chose. You can log back in anytime to change the payment amount, the due date, or to pause or cancel automatic payments.
Automatic payments do not prevent late fees if your account does not have enough money on the payment date, so make sure your bank account has the funds ready. If you are worried about overdrafts, set the payment amount lower than your full balance and make extra payments by hand when you can.
Pay by phone if you cannot access the website
If the website is down or you do not have internet access, you can pay over the phone. Call the number on the back of your Macy's credit card. A representative will ask for your card number, the last four digits of your Social Security number, and your date of birth to verify your identity. Tell them you want to make a payment and how much you want to pay.
You will need to provide a payment method: a checking account (routing and account number), a savings account, or a debit card. The representative will process the payment and give you a confirmation number. Phone payments usually post within one to three business days, the same as online payments. Keep the confirmation number for your records.
Phone payments may have a fee if you pay by debit card or if you need to speak to a representative — check the back of your card or ask before you confirm the payment. Online payments from a bank account are usually free.
Understand your statement and what you owe
Your Macy's credit card statement shows several numbers, and it is important to know what each one means. Your statement balance is what you spent during the billing period. Your current balance is what you owe right now, including any charges since your last statement closed. Your minimum payment is the smallest amount the card company will accept; paying only the minimum means you will pay interest on the rest.
Your due date is printed on your statement and on your online account. If you pay by this date, you will not be charged a late fee. Your interest rate (called APR, or Annual Percentage Rate) is also on your statement — this is the cost of carrying a balance. If you pay your full balance by the due date, you will not owe interest.
You can view your full statement online by logging in and clicking "Statements" or "View Statement." Most accounts let you read statements as a PDF or print them. Keeping statements helps you track your spending and spot any charges you do not recognize.
Troubleshoot common login and payment problems
If you see an error message when you try to log in, the most common causes are a wrong card number, a wrong password, or a browser that is not up to date. Clear your browser's cache and cookies, then try again in a different browser (Chrome, Firefox, Safari, or Edge). If you are on a phone, try the Macy's mobile app instead of the website.
If a payment you made is not showing up in your account, wait one to three business days — payments take time to post. If more than three business days have passed, log back in and check your payment history to see if the payment went through. If it did not, you may need to make the payment again. If you are unsure, call the number on the back of your card and a representative can look up the payment for you.
If you see charges on your statement that you do not recognize, log in and look at your recent transactions. If you spot fraud, call the number on the back of your card right away. Do not make a payment for charges you believe are wrong — the card company will investigate while you dispute them.
Frequently Asked Questions
How long does it take for a payment to show up on my account?
Most payments post within one to three business days. Payments made after 11:59 p.m. Eastern Time may be treated as received the next business day. If you are paying by phone or online from a bank account, the timing is the same. Payments made by mail take longer — usually five to seven business days.
Can I pay my Macy's card with a credit card instead of a bank account?
No, Macy's does not let you pay your credit card bill with another credit card. You can pay from a checking account, savings account, or debit card. Paying with a debit card may have a fee, so check before you confirm.
What happens if I miss my due date?
If you pay after your due date, you will be charged a late fee (the amount varies by your account terms). Your interest rate may also go up. If you are more than 30 days late, it will show up on your credit report. If you missed a payment, log in and pay as soon as you can to avoid more fees.
Do I need to create a new password if I have never logged in before?
Yes. When you first log in, you will be asked to create a password. Use something you can remember but that is hard for others to guess — a mix of letters, numbers, and symbols is strongest. Write it down somewhere safe, or use a password manager to store it.
Can I change my payment due date?
You can change the date your automatic payment comes out each month, but your statement due date is set by Macy's and does not change. If you want to pay before your statement due date to avoid interest, you can make a one-time payment anytime. If you want to move when your automatic payment happens, log in to the AutoPay section and pick a new date.