Review
Citi Macy's American Express Card Review: Earn Rewards Exclusively at Macy's
Love shopping at Macy's? The Macy's American Express card lets you earn Star Money on purchases, but the high APR means it's only worth it if you pay your balance in full each month.
| 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). |
| Rewards Rate | 1x-5x points |
| Sign-up Bonus | Save up to $100 |
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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....