Macy’s American Express Card

Looking for a credit card that goes beyond department store perks? The Macy’s American Express® Card could be your ticket to earning rewards not only at Macy’s, but across your everyday spending. With benefits that stretch beyond the store and a reputation backed by a major bank, this card aims to bring style and substance together in one wallet-friendly package.

What Makes the Macy’s Amex a Standout Option

This isn’t just another store-branded credit card. The Macy’s American Express® Card combines the familiar Star Rewards structure with Amex-backed benefits you can use nearly everywhere you shop. As a cardmember, you gain entry into a tiered loyalty system—Silver, Gold, or Platinum—based on how much you spend at Macy’s annually. The higher your tier, the more rewards you rack up in Star Money, a kind of store currency that can be applied directly to future Macy’s purchases.

But the benefits don’t stop at the Macy’s checkout counter. This card gives you 3% back at restaurants, 2% back at supermarkets and gas stations, and 1% on everything else. From grabbing coffee at your local café to filling up the tank, your day-to-day spending works harder for you.

Plus, with access to American Express Offers, you’ll enjoy occasional cashback opportunities, special promotions from popular brands, and even early access to sales events. Macy’s sweetens the deal further with a welcome offer for new cardholders—typically 20% off over two days (up to $100 in savings)—and a birthday bonus you can look forward to each year.

Who Will Get the Most Out of This Card?

If Macy’s is your go-to destination for clothing, beauty, or home goods, this card is almost a no-brainer. Frequent shoppers will appreciate the ability to earn rewards quickly, especially if they fall into the Gold or Platinum tiers.

But it’s not just for die-hard Macy’s fans. This card is a good fit for:

• Foodies who dine out often and want 3% back on restaurant purchases
• Commuters who spend at gas stations and supermarkets
• Holiday shoppers who want early access to sales and extra savings events
• Style lovers who enjoy Macy’s fashion and want birthday perks and storewide discounts

It’s also appealing to those who want a no-annual-fee credit card with some everyday spending benefits and a strong brand behind it.

Backed by a Financial Giant with a Rich Legacy

What’s behind the power of this retail-meets-rewards hybrid? The card is issued by Citibank, a heavyweight in the American financial landscape. Citi’s long-standing relationship with American Express helps power a card that is not only practical but also loaded with reliable service and security features.

Citi has been in the game for more than two centuries, evolving from a traditional bank into a leader in digital finance. One fun fact? Citi was among the first banks to launch co-branded credit cards in the U.S., helping set the stage for partnerships like the one with Macy’s today.

By partnering with American Express, this card gains the prestige and extra protection features that come with the Amex name, like fraud alerts, purchase coverage, and dining and entertainment perks. For shoppers who care about customer experience and peace of mind, those details add real value.

Is It the Right Match for You?

The Macy’s American Express® Card is more than a department store freebie—it’s a useful financial tool with real-world perks. While it doesn’t come with premium travel rewards or luxury lounge access, it delivers consistent value where most of us spend our money: food, gas, and retail.

Curious if this versatile rewards card fits your lifestyle? Check out what it can do for you and see if it’s the right fit for your wallet.

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