Macy’s American Express® Card

You can’t apply for this card online. You’ll need to go to a Macy’s store in-person to apply. Learn more about the card on the Macy’s Website.

You can access your account on the Macy’s website. If you’re having trouble creating or accessing your account online, we recommend you call the phone number on the back of your card or 1-877-493-9207 for help.

To pay your bill, see this page for the bill payment mailing address and other payment options.

Based on feedback we’ve received in visitor reviews, this card doesn’t have the same level of customer service and benefits found on most American Express cards. You can browse other American Express cards here.

Can I get cash with my Macy’s American Express?

You may be able to get cash out of an ATM with your Macy’s American Express as a cash advance, but that comes with very high fees. Learn about how cash advances work here.

Where can I use my Macy’s American Express® Card?

The Macy’s American Express Card can be used anywhere American Express credit cards are accepted, unlike the Macy’s Credit Card, which can only be used an Macy’s.

To see how this card stacks up against the regular store version, check out our Review of the Macy’s Credit Card and the Macy’s American Express Card.

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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.


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  • Rewards
    • Macy’s offers different rewards depending on how much you spend on your card each year.
    • Preferred Level Customers ($1-$499/yr) – Get 10% rewards on eligible merchandise purchased with your card in-store at Macy’s and A $25 enrollment fee is required. Exclusions apply.
    • Elite Level Customers ($500-$999/yr) – Get the same rewards plus an additional bonus rewards day per year.
    • Premier Elite Level Customers ($1,000+/yr) – Get the same rewards plus 2 additional bonus rewards days per year.
  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR Balance Transfer Not Available
  • Cash Advance APR 24.75% (Variable)
  • Penalty APR See Terms
  • Late Fee Up to $37
  • Returned Payment Fee Up to $37

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Macy’s offers different benefits depending on how much you spend in the year.

Preferred Status – $1-$499 per year

  • Macy’s Star Pass Mailings: 3x per year
  • Surprise Savings at Register
  • Thanks For Sharing Rewards: 10% Rewards on eligible Macy’s Credit Card purchases; cost is $25 per year.
  • American Express Offers

Elite Status – $500-$999 per year

  • Macy’s Star Pass Mailings: 6x per year
  • Surprise Savings at Register
  • Thanks For Sharing Rewards: 10% Rewards on eligible Macy’s Credit Card purchases, plus one bonus event; cost is $25 per year.
  • Special Birthday Offer
  • American Express Offers

Premier Elite Status – $1000+ per year

  • Macy’s Star Pass Mailings: 12x per year
  • Surprise Savings at Register
  • Thanks For Sharing Rewards: 10% Rewards on eligible Macy’s Credit Card purchases, plus two bonus events; cost is $25 per year.
  • Special Birthday Offer
  • Free Shipping 4x/year
  • Priority Customer Service
  • Travel Benefits: Travel deals, includes cruises and hotels.
  • American Express Offers

American Express Benefits

  • This card may come with some American Express benefits. You will be provided with a list of specific benefits when you get your card, so be sure to review that or call the phone number on the back of your card to find out which benefits you have.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 41 reviews
by Christine Rosenthall
Macy's American Express

This is the worst credit card I every had you try and talk to someone they you are put on hold and nobody know's what they are doing it is all over seas... DONT GET THIS IT IS A NIGHTMARE..

by maria

i've been hung up on while waiting for someone to answer the phone. absolutely the worst!

by Lara
I don't recommend

Horrible Experience.

by Jennifer Pinder
Horrible in every way

Customer Service is awful! 2 bad experiences in one week. I tried to use the card to make an online purchase and it was declined 3 times. I called customer service, where you will be speaking to somebody in a foreign country. They assured me the charge was not declined and that it must be the site I was purchasing from. I tried 2 more times...declined. Then I received a text fraud alert from Macy's about the declined charge, which they insisted on the phone was not declined by them. I called back and told them they did decline the charge because I received a text from their fraud dept. The person again insisted that they did not decline the charge. I hung up and used a different card. When I tried to log in to my online account, it said it was time for a password change and to check my e-mail. The e-mail never came, so I could not log in. I tried again. No e-mail. This card is fine as long as you do not need an ounce of customer service!

by Ms Vivacious
Citibank Controls Macy's AmEx Credit Card

Just got off phone again with Macy's credit card; pain throughout my body, esp. neck. Folks be aware thatTHIS CARD IS NOT CONTROLLED BY AMERICAN EXPRESS, BUT BY CITIBANK CORP. I rarely use the 2 other dept store credit cards I have, and when I do it is a one-time thing and I pay the balance that month. I went online to pay, showed $0 balance, told by rep I did not need to pay because balance $0. Told her this happened in past and I was charged a late fee. Yep, once again a late fee and then another because I made a purchase. After several calls, finally today the late fees were removed for the "last time," even though previous agent assured me there would not be one. Yet, if I have a credit balance due me it takes Citibank 3 months to send a check if I have not purchased items to use the credit. This has taken too much of my time and caused too much stress! Macy's rewards are good, but not good enough to negatively affect my health.Macy's has enough problems with trying to keep the business going and then to have customers closing accounts d/t poor credit card service (ripoff) which means less business for them because Citibank is not operating the credit cards online payment system as my Discover and American Express cards do. With those cards I am given the option to make no payment if my online balance is $0, to make the statement balance which shows online, or to make minimum payment, or pay all charges that have accrued since last statement. Citibank is taking advantage of a lot of people who are not challenging this type of late fee.WAKE UP MACYS!!

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