Macy’s American Express® Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- American Express
- Regular purchase APR
- 31.49% variable based on the Prime Rate
At a glance
Macy’s American Express® cardholders will enjoy the star treatment every time they shop at Macy’s with automatic Silver status in the Macy’s Star Rewards program. Cardholders will also earn points towards $10 rewards with 3% back (in points) on restaurants, 2% back at gas stations and supermarket, and 1% back per dollar spent everywhere else – in addition to shopping on Star Money days.
Our review of the Macy’s American Express® Card
The Macy’s American Express Card is a unique department store credit card that sets itself apart from other retail cards offered by CitiBank. While it may not provide bonuses for shopping at Macy’s, it offers several benefits that make it a valuable addition to any wallet.
Benefits of the Macy’s American Express Card
- Improved Rewards: The Macy’s American Express card allows cardholders to earn points towards $10 Star Money rewards without having to wait for Star Money Days. Bonus categories like restaurants, gas stations, and supermarkets earn up to 3X points per dollar.
- No Annual Fee: The card has no annual fee, making it a cost-effective option for those looking to maximize their Macy’s loyalty program benefits.
- Travel and Entertainment Benefits: Cardholders can enjoy perks like early access to Broadway tickets and discounts on Delta flights thanks to the partnership with American Express.
Macy’s American Express Card vs. Macy’s Store Card
Applicants for the Macy’s credit card are automatically considered for the American Express version. While both cards have an above-average APR, it is recommended to pay in full every month to avoid high interest charges. The American Express version offers more flexibility and benefits compared to the closed-loop store card.
Signup Bonus & Introductory Offers
New cardholders can enjoy a unique 20% discount that can be used multiple times over a two-day period, allowing for savings of up to $100. This discount is a great way to kickstart your Macy’s shopping experience and save on your favorite items.
Automatic Silver Status
Owning the Macy’s American Express Card or Store Card grants automatic silver status within the Macy’s Star Rewards program. This status comes with various perks like Star Money Days, extra savings at checkout, and an annual birthday surprise. Higher status levels offer additional benefits like free standard shipping and rewards on all merchandise.
Entertainment Access
Cardholders of the Macy’s American Express Card have access to exclusive entertainment deals through the Entertainment Access program. This partnership with AMEX and Ticketmaster provides priority seating and pre-sale tickets for Broadway shows, sporting events, and concerts when using the Macy’s card for ticket purchases.
Earning Macy’s Star Rewards Points
The Macy’s American Express Card offers bonus categories that allow cardholders to earn points on every transaction. With 3X points per dollar at restaurants, 2X points per dollar at gas stations and supermarkets, and 1X points per dollar on all other purchases, cardholders can maximize their rewards potential.
Redeeming Macy’s Points: How Star Money Works
Star Money rewards are automatically generated when cardholders accumulate 1,000 points. These rewards can be used in $10 increments towards almost all merchandise at Macy’s. Points expire 30 days from issuance, so it’s important to redeem them promptly to avoid losing out on rewards.
How to Maximize Points with the Macy’s American Express Card
While the Macy’s card offers great bonus categories, it may not be the most effective option for all purchases. It’s best used at restaurants and Macy’s itself during Star Money Days to maximize rewards potential. Comparing the return on spending with the card to a 2% cash back credit card can help determine the best strategy for maximizing points.
In conclusion, the Macy’s American Express Card offers unique benefits and rewards for loyal Macy’s customers. With no annual fee and a range of perks, it’s a valuable addition to any wallet for those looking to enhance their Macy’s shopping experience.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Receive $10 Star Money reward for every 1,000 points
- 3% back at restaurants
- 2% back at gas stations and supermarkets
- 1% back for all other purchases
- Automatic Silver status in Macy's Star Rewards
- 25% off all merchandise with Star Pass (1)
- Free shipping with no minimum purchase
- Annual birthday surprise
- Special travel upgrades and savings on airfare, hotel bookings, cruises, and more
- Entertainment Access: Priority tickets to Broadway, sporting events, and concerts
Who this card may suit
- Return Payment Penalty Fee:
- You don’t spend enough to earn Macy’s Platinum status ($1,200 minimum)
- You want at least one shopping day with 25% off all merchandise
- You frequent Broadway shows and want early access to tickets
- You have excellent credit
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 31.49% variable based on the Prime Rate |
| Cash Advance APR | 31.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $5 or 4% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Macy’s American Express® Card
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