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.

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.

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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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 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.

Submit your review

Create your own review

Average rating:  
 33 reviews
by chal27
Terrible card! lets fraud charges go through!

Same as other reviewers below, I called to remove my card stolen since I dealt with a suspicious company. A month later I see that company charge my NEW card for $518!!!! When I called they said it was a glitch and they're not sure how the charge went through and not only that, got transferred to my new account!! now i have to waste my time filling out paperwork to prove my charges. I have spent countless hours on the phone with them getting nowhere!!! Chase/Discover would never do this! i wish I had used that card instead. Never using this card again

by Melinda trescott

Security doesnot know how to handle clientson the phone and they give u a hard time to get a replacement card. Very unprofessional. U need to train ur employees some type of training that would satisfy the customers.

by Tanya
worst customer service fraudalent charges

on 04/26/17 received a text at 4:20in the AM from the fraud dept if i made an attempt to charge $ 154 i replied NO . i called the dept as soon as it opened they closed my card and stated those charges were never put through. LIES! and issued a new card, well...they transferred the fraudulanty charges to the new card! Called the fraud dept, said he was removing NOT! still shows. called again explained myself for the 3rd time. againt transferred me tp the fraud dept. now for the 4th time explaining myself to some rude agent . and wont remove the charges that were to some utility company in India.then he proceeded i need to fill out a form and mail it in before they remove anything. COME ON! what does it for them to understand.

by Joanna

I have had this card for approximately 5 years. I have never had an issue with this card until they switched to Citi bank. There have been fraudulent charges placed upon my account that they claim are justified. I have spoken to this company on numerous occasions and they have not resolved this issue. I did get them to admit that the charges were unjust and repetitive. As you see below from the other reviews, this company has taken advantage of a great deal of people. It may be just $2.00 charged occasionally. However, the is happening to a great deal of people. Can you imagine how much profit they are making at the expense of the consumer?

by josette
regret getting it

i was offered to "upgrade" my current star rewards macys credit card to the "new" one according to macys employee at the register to get additional discount. i told her if they would run a credit check and she said no. after a few wks i received a credit report saying my application for a macys card was denied cause of an existing account. and worse, i paid my bill over the phone and still got a second bill. it's been 2 months now and i still dont have my card. thanks, macys!!!!

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