Whether it's a holiday season, a birthday or an anniversary that is to be celebrated, you may be wondering how to get all the shopping done. And it’d be a bonus to get most of it from a convenient department store such as Macy's! 

This year, make sure to get your shopping done without being too harsh on your wallet when you opt into opening your very own Macy's credit card, which is just the extra help you will need. Opening a Macy's credit card can easily help you get your shopping done, and make it a breeze, as well!

You might be wondering what exactly is so fantastic about opening up a Macy's credit card, and there are quite a few pros that come along with it! Also, as with any credit card, you will find that there can be a few cons, as well, and this list will explain the pros and cons to help make the decision to apply for a Macy's credit card that much clearer.

Before shopping at Macy’s, be sure to give our collection of the new best Macy’s coupons a scan.

Macy’s Credit Card Pros and Cons

Pros to the Macy's Credit Card:

• Special perks and offers for cardholders. For those who are Macy's cardholders, you will find that you frequently get invites and news about special offers and promotional deals. Along with the special event invitations that you will receive, you will also be given the chance to save additional money at checkout, both in store and online.

• Free shipping on orders placed with Macy's credit card! That's right - if you shop online, you will be able to enjoy access to free shipping by using your Macy's credit card as payment during checkout. There is no minimum price point to qualify for free shipping, either!

• No annual fee applies. When you open up a Macy's credit card, one thing that you don't have to worry about is that there will be an annual fee on the card - there is absolutely no fee just to open and have the card. Use it when you need it without having to worry about another annual bill!

• Get a birthday surprise! When you are a Macy's credit card holder, you will receive a special birthday surprise each year. It's a great time to purchase something that you've had your eye on for a while!

• Special 25% off day available. Choose any date you like to receive a special 25% off your purchase! This is a great way to save extra money and treat yourself, just for being a Macy's card holder. You can also save up your points and your Star Money rewards and use them on purchases of your choosing.

Cons to the Macy's Credit Card:

• Annual Percentage Rate (APR). As with all credit cards, the Macy's credit card does carry an APR along with it, meaning you will have to pay interest on all your purchases using the card. The current APR of the Macy's credit card is 24.5%, which is still pretty decent compared to some other credit cards out there.

• Star Money can be confusing. If you are opening up a Macy's credit card, you might be confused about the Star Money aspect. By making purchases, you collect “star money” which lifts you into higher brackets of savings. Higher brackest can give you added perks for shopping at Macy’s and using your Macy’s credit card.

The pros to opening a Macy's credit card far outweigh the cons, and it can be a great choice if you shop at Macy's frequently. The rewards that you can get for using your card are definitely worth it, and the APR isn't too high on the card, either.