How to Use Your Macy's Gift Card at Checkout (Online & In-Store)
As of August 2026, Macy's gift cards remain one of the more straightforward retail cards to use — no activation steps, no expiry date, and accepted both online and in physical stores across the US. If you have one and want to spend it, here is exactly how to use your Macy's gift card at checkout, whether you are shopping on macys.com or walking into a store.
How to Use Your Macy's Gift Card at Online Checkout
Shopping on macys.com works well for Nigerians who have access to a US shipping address or use a package forwarding service. The redemption process is straightforward.
Step 1. Add the items you want to your cart on macys.com and proceed to checkout.
Step 2. On the payment page, look for the "Gift Card" field. It appears below the credit/debit card section.
Step 3. Enter your gift card number (found on the front of the card) and the PIN (usually on the back, under a scratch-off panel).
Step 4. Click "Apply." The card balance will be deducted from your order total immediately.
Step 5. If your order total exceeds the card balance, you can pay the remaining amount with a credit card or another payment method.
Your Macy's gift card doubles as your activation — there is no separate step. The moment you enter the code and it is accepted, the balance is live and applied.
For Nigerians who want to convert their Macy's gift card to Naira instead of spending it on US retail, Cardhorse provides real-time rates at https://www.cardhorse.com/
How to Use Your Macy's Gift Card In-Store
If you or someone you know is physically in the US, using the card in a Macy's store is just as simple.
Step 1. Shop as normal and bring your items to the register.
Step 2. When the cashier asks for payment, hand them the gift card or swipe it at the card terminal — Macy's gift cards have a magnetic stripe and work like a standard payment card.
Step 3. The cashier will apply the balance to your total. If the card does not cover the full amount, you can pay the difference with cash, debit, or credit.
Step 4. Ask for your receipt. It will show the remaining balance on the card if any amount is left over.
One useful detail: Macy's gift cards are also valid at Bloomingdale's stores, which are owned by the same parent company. So if you are near a Bloomingdale's and not a Macy's, the card still works.
Using Part of the Balance and Combining Payments
You do not have to spend the full card value in one transaction. Macy's allows partial redemptions both online and in-store, and you can always use multiple payment methods to cover the difference.
Checking your balance before checkout is worth doing so you know exactly what you are working with. You can check it at:
- macys.com/giftcard (enter the card number and PIN)
- Any Macy's store register
- The customer service line on the back of the card
Combining two gift cards is also possible. At online checkout, apply the first card, then look for an option to add another. In-store, just hand both cards to the cashier.
Splitting payment — using a gift card plus a credit card — works at both online and in-store checkout without any complications.
Sell Your Gift Card Anywhere, Anytime
The Cardhorse app lets you check live rates, submit your card, and receive payment directly to your account — all from your phone.
Frequently Asked Questions
Do Macy's gift cards expire?
No. Macy's gift cards have no expiration date and no inactivity fees, so the balance stays intact regardless of how long you hold the card.
Can I use a Macy's gift card if I am in Nigeria?
You cannot use it directly for purchases in Nigeria since Macy's is a US-based retailer. Your main options are to use it through a US shipping address, gift it to someone in the US, or sell it for Naira on a platform like Cardhorse at https://www.cardhorse.com/
Can I use my Macy's gift card at Bloomingdale's?
Yes. Macy's gift cards are accepted at Bloomingdale's stores and on bloomingdales.com, as both brands are part of the same company.
What if my gift card balance is less than my order total?
You can pay the remaining balance with any accepted payment method — credit card, debit card, or another gift card. Macy's supports split payments at checkout.
Can I check my Macy's gift card balance online?
Yes. Go to macys.com/giftcard, enter the card number and PIN, and your current balance will be displayed.
If you have a valid, unredeemed Macy's gift card you would rather convert to Naira than spend on US retail, Cardhorse offers a live rate and payment typically within minutes.
Sell Your Macy's Gift Card on Cardhorse →
Part of: Macy's Gift Cards
Prev : How to Check Your Home Depot Gift Card Balance – Easy Methods
Next : How to Use Your Marks & Spencer Gift Card at Checkout (Online & In-Store)
As of August 2026, Macy's gift cards remain one of the more straightforward retail cards to use — no activation steps, no expiry date, and accepted both online and in physical stores across the US. If you have one and want to spend it, here is exactly how to use your Macy's gift card at checkout, whether you are shopping on macys.com or walking into a store.
How to Use Your Macy's Gift Card at Online Checkout
Shopping on macys.com works well for Nigerians who have access to a US shipping address or use a package forwarding service. The redemption process is straightforward.
Step 1. Add the items you want to your cart on macys.com and proceed to checkout.
Step 2. On the payment page, look for the "Gift Card" field. It appears below the credit/debit card section.
Step 3. Enter your gift card number (found on the front of the card) and the PIN (usually on the back, under a scratch-off panel).
Step 4. Click "Apply." The card balance will be deducted from your order total immediately.
Step 5. If your order total exceeds the card balance, you can pay the remaining amount with a credit card or another payment method.
Your Macy's gift card doubles as your activation — there is no separate step. The moment you enter the code and it is accepted, the balance is live and applied.
For Nigerians who want to convert their Macy's gift card to Naira instead of spending it on US retail, Cardhorse provides real-time rates at https://www.cardhorse.com/
How to Use Your Macy's Gift Card In-Store
If you or someone you know is physically in the US, using the card in a Macy's store is just as simple.
Step 1. Shop as normal and bring your items to the register.
Step 2. When the cashier asks for payment, hand them the gift card or swipe it at the card terminal — Macy's gift cards have a magnetic stripe and work like a standard payment card.
Step 3. The cashier will apply the balance to your total. If the card does not cover the full amount, you can pay the difference with cash, debit, or credit.
Step 4. Ask for your receipt. It will show the remaining balance on the card if any amount is left over.
One useful detail: Macy's gift cards are also valid at Bloomingdale's stores, which are owned by the same parent company. So if you are near a Bloomingdale's and not a Macy's, the card still works.
Using Part of the Balance and Combining Payments
You do not have to spend the full card value in one transaction. Macy's allows partial redemptions both online and in-store, and you can always use multiple payment methods to cover the difference.
Checking your balance before checkout is worth doing so you know exactly what you are working with. You can check it at:
- macys.com/giftcard (enter the card number and PIN)
- Any Macy's store register
- The customer service line on the back of the card
Combining two gift cards is also possible. At online checkout, apply the first card, then look for an option to add another. In-store, just hand both cards to the cashier.
Splitting payment — using a gift card plus a credit card — works at both online and in-store checkout without any complications.
Sell Your Gift Card Anywhere, Anytime
The Cardhorse app lets you check live rates, submit your card, and receive payment directly to your account — all from your phone.
Frequently Asked Questions
Do Macy's gift cards expire?
No. Macy's gift cards have no expiration date and no inactivity fees, so the balance stays intact regardless of how long you hold the card.
Can I use a Macy's gift card if I am in Nigeria?
You cannot use it directly for purchases in Nigeria since Macy's is a US-based retailer. Your main options are to use it through a US shipping address, gift it to someone in the US, or sell it for Naira on a platform like Cardhorse at https://www.cardhorse.com/
Can I use my Macy's gift card at Bloomingdale's?
Yes. Macy's gift cards are accepted at Bloomingdale's stores and on bloomingdales.com, as both brands are part of the same company.
What if my gift card balance is less than my order total?
You can pay the remaining balance with any accepted payment method — credit card, debit card, or another gift card. Macy's supports split payments at checkout.
Can I check my Macy's gift card balance online?
Yes. Go to macys.com/giftcard, enter the card number and PIN, and your current balance will be displayed.
If you have a valid, unredeemed Macy's gift card you would rather convert to Naira than spend on US retail, Cardhorse offers a live rate and payment typically within minutes.
Sell Your Macy's Gift Card on Cardhorse →
Part of: Macy's Gift Cards
Prev : How to Check Your Home Depot Gift Card Balance – Easy Methods
Next : How to Use Your Marks & Spencer Gift Card at Checkout (Online & In-Store)
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