Citi
Macy's American Express Card
Key Features
| Annual Fee | $0.00 |
| Regular APR | As of December 16, 2025, Purchase, Balance Transfer, and Cash Advance APR: 32.74% (rates may vary with the market based on the Prime Rate). |
| Other Fees | Minimum Interest Charge: $2.00. Cash Advance Fee: The greater of $5.00 or 4% of the amount of each cash advance. Transaction Fee for Purchases in Foreign Currency: 3% of the U.S. Dollar amount of each purchase. |
| Network | American Express |
About this card
The Macy's American Express card is a niche product best suited for loyal Macy's shoppers who consistently pay their bills in full. Its strengths include no annual fee, Amex Offers, and tiered rewards on Macy's purchases. However, its high APR of 32.74% is a significant drawback, particularly for those who carry a balance. The rewards program is restrictive, primarily benefiting Macy's purchases, and the 3% foreign transaction fee is also a negative. While it has a decent signup bonus, the overall value is limited compared to more versatile rewards cards. The reputation analysis confirms that its value is primarily for dedicated Macy's customers. Therefore, an overall rating of 2.2 is appropriate, reflecting a 'Fair' card with notable limitations.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- Rewards on purchases
- Amex Offers
- Travel benefits
- Entertainment access
Things to consider
- High regular APR
- Foreign transaction fees apply
What this card offers
Sign-up bonuses
- Open a Macy’s Card and get 30% off macys.com purchases today. Discount in store varies. Save up to $100.
Rewards
- 2 points per $1 spent for Silver members
- 3 points per $1 spent for Gold members
- 5 points per $1 spent for Platinum members
- 3 points per $1 spent at restaurants including delivery.
- 2 points per $1 spent at gas stations and supermarkets.
- 1 point per $1 spent everywhere else.
Other features
- Earn points on every Macy's purchase (except gift cards, services and fees). 1,000 points = $10 in Star Money to use at Macy's.
- Star Money Bonus Days Shop during these exclusive times to earn rewards faster.
- Member Exclusives Earn bonus points when you shop brands you love & more.
- Star Passes We’re talking special savings, just for cardholders.
- Birthday Surprise We’ll send a little something sweet to celebrate you.
- Silver members get Free Shipping at $25, Gold & Platinum members get Free Shipping with no minimum, with a Card at Macy's
- It's Easy to Manage your Account Online Check your balance and available credit, review your statement, make a payment and more. It’s easy to manage your account with our online portal.
- Macy's App Tap into rewards and more with the Macy's App.
- Macy’s Pay Quickly pay in stores with the Macy’s app – no cash or card required.
- Amex Offers Save with special offers on shopping, dining & more.
- Entertainment Get early access to premium tickets for concerts, theater, sports and more, all year round.
- Travel Benefits Unlock exclusive travel benefits with your card.
Additional Notes
New credit cards are opened at Silver status. Cardholders can access Gold status with $500 - $1,199 annual spend at Macy's with their Card and Platinum status with $1,200+ annual spend at Macy's with their Card. 1,000 points = $10 in Star Money. Use it on anything at Macy's except gift cards, services & fees.