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Macy's American Express Credit Card

Macy's American Express Credit Card


Rated 2/5 stars by our editorial team

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Your Rating:

2.7/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!

  • Credit Needed Excellent/Good
  • APR 26.99% variable
  • Intro APR N/A
  • Balance Transfer APR 26.99% variable
  • Balance Transfer Intro APR N/A
  • Cash Advance APR 26.99% variable
  • Annual Fee $0
  • Cash Advance Fee $5 or 4% of value, whichever is greater
  • Balance Transfer Fee None
  • Foreign Exchange Fee 3%
  • Rewards Details 3% back in rewards at restaurants outside of Macy's, 2% back in rewards at gas stations & supermarkets outside of Macy's, and 1% back in rewards everywhere else
  • Signup Bonus Save 20% today and tomorrow, up to a total of $100.


  • Click "APPLY NOW" to apply online
  • Receive Macy's Star Pass Mailings, surprise savings at register, and other benefits
  • Can be used wherever American Express is accepted
  • Apply instore

Expert Reviews

From the Editorial Team

The Macy’s Amex credit card is honored worldwide, wherever American Express cards are accepted, and it also offers special cardholder benefits for those who use it to shop at Macy’s.

Expert Reviews of the Macy's American Express Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 2.0


  • 3.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

The card can be handy if you shop at Macy’s, but it does have a steep interest rate, and there are certain restrictions on some of its key benefits.

The Good

Cardholders are eligible for exclusive sales and events Star Passes – which are invites to specially discounted purchase opportunities. Cardholders earn discount rewards based on how much they spend. If you spend more, you can rise to different levels – which qualify you for bigger rewards and discounts. You are also entitled to American Express travel, dining, and shopping discounts and coupons from 100s of Amex partners.

The Not So Good

The sign-up bonus discount of 20% is only applicable to purchases made the day you are approved and the following day and charged on your new Macy's Account. That discount does not apply to services, select licensed departments, gift cards, restaurants, gourmet food and wine, and the total of discount savings is limited to $100. 
The purchase and cash advance APR is 24.75%, and there is a surcharge on cash advances of $5 or 4% of the amount of each cash advance, whichever is greater. There is also a 3% foreign transaction fee with this card.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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