The Macy's Credit Card (Citibank) is a personal credit card from Macy's Credit Card (Citibank). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 30.24% variable. Approval typically requires a credit score of 650-700 or higher. Rewards: Star Rewards: 1–5% back at Macy's depending on spend tier. Star Money Days for extra rewards. Birthday surprise. Free shipping on $25+ at macys.com.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family..