I start to wonder what good a card like this does unless you absolutely need credit. High APR and no real savings after your initial sign up. The points will take forever to add up unless you are a shopaholic. Meantime, you could use a regular card and get the exact same benefit at a lower cost and add points. Macy's cashback % isnt the greatest you are shopping at their store.

This is just my thought, those who have this card please share your opinions