Can You Pay Your Macy’s Credit Card Bill With a Macy’s Gift Card?

When you have a Macy’s credit card, paying your bill on time each month is important to avoid late fees and interest charges. But what if you also have Macy’s gift cards you want to use up? Can you pay down your Macy’s credit card balance using gift card funds?

Unfortunately, the short answer is no. Macy’s does not allow you to pay your Macy’s credit card bill directly with a Macy’s gift card either online, in stores or over the phone.

However, some savvy shoppers have found creative workarounds to covert gift cards into credit card payments In this article, I’ll explain the policies around paying a Macy’s card with gift cards and potential loopholes

Macy’s Credit Card Bill Payment Policies

First, let’s review Macy’s official policies on paying your store credit card bill:

• You cannot pay your Macy’s credit card bill with a Macy’s gift card – This includes store gift cards or eGift cards purchased from Macy’s.

• You cannot pay in Macy’s stores – Store associates cannot process gift cards as credit card payments.

• You cannot pay online – The Macy’s website does not allow gift card numbers for credit card payments.

• You cannot pay by phone – Calling Macy’s card services only allows bank account or standard credit card payments.

This applies to all Macy’s branded credit cards, including the Macy’s American Express Card and store-only cards like Macy’s Star Rewards Visa.

So within Macy’s official payment methods, there is no way to directly use gift card funds on your credit card balance. But some clever shoppers have found unofficial workarounds…

Loopholes to Pay With Macy’s Gift Cards

While Macy’s claims you cannot pay a credit card bill with gift cards, many people report success doing it indirectly. Here are some of the unofficial methods:

• Return and rebuy trick – Buy an item with your credit card, then return it and rebuy with a gift card to credit your account.

• Overpay purchases – Use gift cards to overpay for purchases, leaving a credit on your account to offset your bill.

• Return gift card purchases – Buy a gift card with your credit card, then return the gift card for account credit.

• Exchange through customer service – Ask reps to exchange gift card funds for credit card payments as a “one time courtesy.”

• Use as credit on returns – Return items bought via other payment without a receipt and apply credit to your card.

These loopholes essentially convert the gift card funds into credit card payments through creative transactions. However, success depends on the store rep’s willingness to process the unusual requests.

And while these tricks may work, they technically violate Macy’s gift card and payment policies, so proceed with caution.

Buy Macy’s Gift Cards to Earn Rewards

One savvy way to maximize rewards is to purchase Macy’s gift cards using a rewards credit card. Then use the gift cards for Macy’s purchases rather than direct credit card payments.

For example, buy $500 in Macy’s gift cards on your Chase Freedom card during a 5% bonus category quarter. Then earn 5% back on the $500 gift card purchase.

You can then spend the $500 Macy’s gift cards on apparel, home goods, furniture, and more. While you won’t earn rewards directly on the gift card purchases, you already earned 5% back when buying the gift card.

This strategy lets you double-dip and earn rewards twice – first on the gift card and then when you use it in stores. Just note you can’t use gift cards to pay your Macy’s credit card bill directly.

Ask Macy’s to Allow Gift Card Bill Payments

The best solution would be if Macy’s officially allowed gift card funds as credit card payments. This would provide an easy way to use up leftover gift card balances toward your bill.

If you want Macy’s to add this policy, reach out to their customer service team and provide feedback:

• Call 1-800-289-6229 to speak to a Macy’s service representative

• Send a message via the Macy’s website contact form

• Email Macy’s customer service at [email protected]

• Write a letter to corporate headquarters at:

  Macy’s Credit and Customer Services

  P.O. Box 8113

  Mason, OH 45040

The more customer requests Macy’s gets, the more likely they may change their policy in the future. But for now, gift cards remain incompatible with credit card payments.

Use Gift Cards for Purchases and Bank Payments for Bills

While Macy’s does not allow direct bill payment via gift card, you can still maximize their value through strategic spending:

• Use gift cards for Macy’s store and online purchases

• Pay your Macy’s credit card bill with bank account or standard credit card

• Buy gift cards from Macy’s with a rewards credit card

• Ask for gift cards to be allowed as bill payments in the future

With a smart redemption strategy, you can drain every last cent from your Macy’s gift cards. But when paying your credit card bill, stick to bank accounts or other credit cards only.

The Bottom Line on Macy’s Gift Cards and Credit Card Payments

Unfortunately, Macy’s official policy prohibits using gift cards to pay your Macy’s credit card bill. However, some creative shoppers have found unofficial workarounds to covert gift card funds into account credits. While tricky, these methods could let you drain gift card balances toward your monthly bill.

For now, the best approach is using gift cards for purchases and standard payment methods for credit card bills. But if you want Macy’s to allow gift card payments in the future, make sure to provide feedback directly to their customer service team.