Whether you’re a Macy’s loyalist or simply love cards that offer value where you actually shop, the Macy’s American Express® Card is worth a closer look. With no annual fee and the power to earn rewards both in-store and at everyday retailers, it’s not your average department store credit card. In fact, it’s a surprisingly versatile financial tool that blends retail loyalty with real-world usefulness.
In this comprehensive review, we’ll walk you through all the key benefits, hidden details, and real-world applications of this card, so you can decide if it deserves a spot in your wallet.
The Perks That Make This Card Shine Inside and Outside Macy’s
Star Rewards Program with Tiered Earning
Cardholders automatically join Macy’s Star Rewards, a tiered loyalty program based on annual Macy’s spending. The tiers are:
- Silver (up to $499/year): 2% back in Star Money
- Gold ($500–$1,199/year): 3% back + free shipping
- Platinum ($1,200+/year): 5% back, free shipping, and bonus perks
These rewards can be redeemed like cash on Macy’s purchases, giving you real value for your loyalty. Whether you’re refreshing your wardrobe or upgrading your home, Star Money adds up quickly.
Amex Rewards on Everyday Purchases
Unlike the standard Macy’s Store Card, the Amex version lets you earn rewards almost everywhere:
- 3% back at restaurants, including delivery services
- 2% back at gas stations and supermarkets
- 1% back on all other purchases
This makes it a solid everyday card—especially if you frequently dine out or fill up the tank.
Access to Amex Offers and More
As a cardholder, you also get access to American Express Offers, which include cashback and discount opportunities with popular brands, restaurants, and online retailers. Plus, enjoy Amex perks like global dining access, purchase protection, and exclusive pre-sale access for select events.
Welcome Offer and Birthday Perk
New users typically get 20% off purchases for two days, up to a $100 total savings. And when your birthday rolls around, Macy’s surprises you with a special cardholder birthday offer to sweeten the celebration.
Things to Know Before You Add It to Your Wallet
While the Macy’s Amex Card brings solid value, it’s not for everyone. Here are a few key points to weigh:
Credit Score Requirements
You’ll need good to excellent credit (typically 670+) to qualify for the American Express version. Applicants with lower credit may be offered the store-only version instead.
High APR
As with most retail cards, the interest rate is steep. The variable APR is currently 33.49%, so if you tend to carry a balance, this could outweigh the card’s perks.
Foreign Transaction Fee
Planning to use this card abroad? Be aware it charges a 3% foreign transaction fee, which adds up on international purchases.
Limited Use Outside the U.S.
While Amex has wide acceptance in the U.S., it’s still not as globally accepted as Visa or Mastercard, so keep that in mind when traveling.
The Fine Print on Fees and Interest
- Annual Fee: $0
- Purchase APR: 33.49% variable
- Cash Advance APR: 33.49% variable
- Late Payment Fee: Up to $41
- Returned Payment Fee: Up to $41
- Foreign Transaction Fee: 3% of each transaction in USD
The lack of an annual fee makes this card attractive, but it’s best suited for those who pay in full monthly.
How to Apply for the Macy’s Amex Without Breaking a Sweat
Step 1: Visit the Official Site
Access the website directly from the card:
Step 2: Start the Online Application
Click “Apply Now” and complete the form with:
- Full name
- Social Security Number
- Date of birth
- Income details
- Contact information
Step 3: Review Terms and Submit
Check the box to agree to the card’s terms and conditions, then submit your application.
Step 4: Get Your Result
You may receive an instant decision, or your application may require additional review.
Step 5: Download the Macy’s App
Manage your card via the Macy’s mobile app, available for iOS and Android. You can track Star Rewards, make payments, and access offers easily.
Need Help? Here’s How to Reach Out – Contact and Support
Need help with your application or card management? Reach out through the following:
- Customer Service: 1-888-257-6757
- TTY for Hearing Impaired: 1-800-231-5469
- Online Access: Macy’s Cards Website
- App Support: Macy’s mobile app (iOS/Android)
Your Macy’s Amex Questions Answered
1. Where can I use the Macy’s American Express Card?
You can use it at any location that accepts American Express—including restaurants, grocery stores, gas stations, and online retailers. It’s accepted nationwide and offers more flexibility than the store-only version.
2. What kind of credit score do I need to qualify?
To be approved for the Amex version, you generally need a credit score in the good to excellent range (around 670 or higher). If your score is lower, you may still be eligible for the Macy’s Store Card instead.
3. How does the Star Money rewards system work?
When you make purchases at Macy’s, you earn a percentage back in Star Money based on your tier (Silver, Gold, or Platinum). Star Money acts like store cash and can be redeemed on most Macy’s items—no blackout dates, no minimums.
4. Do the Amex cashback rewards combine with Macy’s Star Rewards?
Absolutely! You earn Amex cashback (e.g., 3% at restaurants, 2% at gas stations) in addition to your Star Money when you shop at Macy’s. It’s a great way to double-dip on rewards.
5. Can I switch from the store card to the Amex version later?
Yes. If you start with the store-only card and demonstrate responsible use—like making on-time payments and keeping your balance low—Citi may upgrade you to the Amex version over time.
If you’re looking for a retail credit card that delivers beyond the checkout line, the Macy’s American Express® Card blends fashion-forward perks with practical rewards. It’s not just for shopping—it’s a versatile tool that can work for your daily life too.
Ready to make your Macy’s purchases even more rewarding? Explore if this stylish credit card fits your lifestyle today.
