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.

This is a store-branded card. You may be able to get better rewards and terms with a general-use reward credit card instead.

Learn more about reward credit cards

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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  • 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 comes with American Express benefits. You will be provided with a list of specific benefits when you get your card.

Visitor Reviews

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

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Average rating:  
 0 reviews
by Grace ChaiBlank Business Name
Worst Customer Service ever!!!!

If I could give this a zero star, I would. They have the worst customer service ever!!!! Macy sales rep made a mistake of not being clear about their discount policies--obviously completely their fault. For all of my credit cards rep, they would have given me the discounts that I'm entitled to. Their manager wouldn't even budge--only gave me $30 extra dollars. They don't know how to do business. I closed my account the same day. DON't GET THIS CARD!!!!


I am so glad I found this chain!! I am currently going through a mess with Macy's American Express as well!! I called through to pay off my American express purchases and decided to just make sure I had nothing on my Macy's credit side (I am very on top of my credit cards and like to check at least once a week to make sure there is no weird purchases) . I found out that someone made a purchase of $400+ at a Macy's in NY, NY...I don't even live in NY so I know this was not me.

I called customer service the week I found out (back in July 2016) to resolve this and they stated that they would look into it. I also requested a new card since obv someone had my card information. After a month of not receiving the new card I called back again in August 2016 to follow up. The person I spoke with said that a claim was never filed and they have no record of that fraud claim (just an FYI...I also completed the fraud form online through their website). They then proceeded to tell me I needed to make a payment. After explaining AGAIN, they asked that I complete a form by hand and send in 2 forms of ID so they can start the process for me. I did all this, asked for a new card again and waited to hear back.

Another month passed by and I received a call from Macys (a recording telling me to call them). I called the number to follow up, but all I got was a representative asking me to make a payment!!

I explained for now a THIRD time that I submitted a fraud claim and that I am not paying the amount that is on the card. She told me that she has no record but placed me on a 5 min hold to follow up with her supervisor. After speaking with the supervisor, he told me that they cannot remove the fraud claim because I never reported the card stolen. ARE YOU KIDDING ME?! SO YOUR TELLING ME THAT BECUASE MY CARD WAS PHYSICALLY NEVER STOLEN I CANT BE SUBJEXT OF FRAUD?! HELLO...ITS CALLED ONLINE PURCHASES OR OVER THE PHONE PURCHASES WITH MY INFORAMTION!!

After that whole fun process, I asked for a new card...AGAIN (still waiting by the way) and for them to follow up with the claim because I am not paying for it. I have proof that I was not even in NYC that day.

That was last week. Today I called through again to pay my American Express card off for a purchase I made over the weekend and when I got in contact with a representative she asked me to pay for the charge on the Macy's account....seriously??

They seriously need to get a system to track all these claims and clean their act up. I am surprised they dont have a lawsuit on their hands since it seems that they have messed up a lot of peoples credit lines and more. Once this purchase is cleared up I plan on closing this card. Too much of a headache to deal with. So done with Macy's and American Express.

Worst credit card ever!

I received unauthorized charges on my account immediately after soeaking with their customer service for a different concern. I received an ensil asking if I am making the transaction. I immediately emailed back to say no. But I was still charged. I immediately complained and they gave me a new card number moved my outstanding balance there and retained the unauthorized charges on my old account number. I have bern continuously following up when they will totally remove the unauthorized charges from my account . The customer service removed the amount on the old account but added it to the new account!Its been 5 months! I received a letter saying that they have credited back the amount to me since it was proven I did not make the transaction but tge amount is still showing on my statement!


I paid my first bill in full, they posted my payment 1 day late so I received a late charge. I called and disputed this since I paid the bill in full. They did agree to write off the late fee after 15 minutes on the phone with them. The next month I receive a bill again. I didn't open right away since I knew that I had not made any new purchases. I received another bill the next month and it looked like interest charges on the late fee. I called again to dispute this. The lady that I spoke with said it was because I paid my bill late. I said I already called and talked to someone and they agreed to write the late fee. she told me that they don't write off the late fee when it is paid late. She wanted to know why I paid it late, I said it was 1 day late. She said she has to have a reason why I paid it late. I said I thought I paid it on time. I again told her that I already talked to someone and they told me that they wrote the late fee off. She had to talk to her supervisor, I was on hold for 15 minutes. She finally came back on and said they there was an error and they would remove the fee. That doesn't fix my negative score on my credit report. As soon as I know that this has been removed, I am cancelling this card. What a bunch of frauds. They deserve no stars!!!

by Candice DeShurleyBlank Business Name

I closed my account years ago but they (Macys/American Express) must have felt that I really needed a card so they sent me without applying for one. I did not activate the card so they took as now activity and lowered my credit line. That lowers your credit score. I closed my account and the credit department doesn't care that they F'd up my credit score. "Oh so sorry" Worst Customer Service!!!!!!!

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