Macys Pay Bill Online service – Can you pay this credit card bill with a gift card?

Posted on December 3, 2015 by in Best use American Express Membership Rewards, best use of Citibank ThankYou points

Macys Pay Bill

What’s the deal with Macys Pay Bill Online?

A MightyTravels reader has asked if it’s possible to pay your Macy’s credit card bill with a gift card. In the world of manufactured spending, we like to find ways to earn miles and points with purchases that we can then easily liquidate. In an ideal world, the Citibank-issued Macy’s card would let us do this, but unfortunately not and they clearly state this on their website here.

Macys Pay Bill

However, FlyerTalker MSerforfun last year bought and then returned a gift card and his bill was then paid, so it could work.

The payment options page also says that you can’t use a credit card to pay this credit card which is standard and that you can’t use either a credit card or a gift card to pay your Macy’s American Express credit card bill. Wait – Macy’s has an Amex?! Apparently so and you can see how to qualify for one here and then apply for one in-store only.

Tell me a little more about the Macys credit card…

Citibank issues this credit card, but it’s actually a store card that you can only use for Macy’s purchases. Right now you can get 20% off (saving up to $100 total) when you’re approved.

Macys Pay Bill


This card can be a good tool if you need to better your credit score but try not to carry a balance with it. The APR for this card is a steep 24.5% (like with most department stores cards) so if you don’t pay your bill in full every month, you’ll suffer financially.

You can apply for a Macy’s credit card here.

Tell me a little more about Macys Pay Bill Online…

When you need to pay your Macy’s bill online, you can use of these payment options:

  1. Make an online payment.
  2. Set up AutoPay.
  3. Pay in-store at any register with cash, a check or a debit card.
  4. Mail your payment to Macy’s Payments, PO Box 9001094, Louiseville, KY 40290-1094.
  5. Pay by phone by calling 1-888-257-6757.

What else do I need to know about Macys Pay Bill Online?

With the Macy’s store card, you don’t earn any rewards on your spending. For travel rewards, you’d be much better off applying for one of many other cards, but if you’re going to shop with Macy’s anyway, you may as well be rewarded some by getting this card and using it particularly for the initial 20% discount off and any such future offers.

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