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 Macys.com. 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:  
 16 reviews
by kim
bad credit card ever

I buy not thing and they kip sent me the bill with $2. I paid and closed the account. I though that was done, but they still charge me $ 2 each month for 3 three months later I have report late pay on my credit, so bad don't ever open Macys American express Account.

by lisa
terrible

I cannot set up online pay with this American express . I think they love charging people late fees . I wish I would had stuck with regular macys card .

by George
Horrible experience

My wife opened a Macys American Express card after shopping at a Macys store and I tried to set it up electronically (so that I can check balance, history, make payments, etc). What a freaking nightmare? This company is taking the same route as Sears.... I would be totally surprised if they stay open for another 4-5 yrs. Nothing works right on their website and getting help from Cust. Service is impossible (they are untrained and have no idea how to even transfer a call). Spent over 4 hrs setting the acct up and asking questions about the card..... but never understood how the rewards work at stores other than Macys - the agent kept saying "qualifying items" give rewards. Have no idea what "qualifying items" are ?!?All in all, this card gives no rewards like an ordinary credit card. It even makes no sense to use at Macys as the rewards are not any better than getting promotions/coupons via ordinary postal mail and using a regular credit card that provides rewards. Well, it's just insane to have another almost useless credit card!

by Carol Brames
Your problem

Received a letter that I sent my payment to the wrong address & could have had a late fee if they had not forwarded it. Well, your department should make sure to include the return envelope which was missing. I then mailed it to the address on the bill. Would have been really upset with a late charge!

by Darra Flynn
so utterly upset with customer service

I am also very upset with customer service. I could not log into my new Macys American Express account. I misplaced my card and wanted to make a payment after calling 8 times to get an answer. I gave them everything they needed including the last 4 digits of the card and my whole life information. They would not take a payment over the phone because my husbands name was on the account not just mine. So because they would not take my bank account information they charged me a late payment fee, a late fee and decreased my credit limit to the amount I owed, $240. They were not helpful or try to offer any help at all. They did tell me my payment would be late so therefore I could not charge anymore and I would incur all late fees. What a disappointment on what I thought was a great company. .

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