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 1-888-257-6757 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.

You may want a different card instead

This is a store-branded card with lots of bad reviews. You may be able to get better rewards and terms with a cash back credit card that isn't for a specific store.

Cash Back 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.

Was this helpful?

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


Quick View

Quick View

  • 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:  
 55 reviews
by Elena
Avoid Macy's American Express

It's hard to beat the deals at Macy's when using the "star rewards" you get from using your Macy's AmEx, but there is no way to actually pay the bill online. The website is useless and sends the customer in circles trying to find a way to pay.

by Penny

This card is a zero and sorry I ever signed up for it! Its impossible to get information or pay your bill via telephone or online! There is not help on person to talk to! Stay away from this card. I will be paying this off and bye bye to macys!!!!

by Terri

My Macy's/Amerucan Express card was compromised. I made Macy's aware of charges on my card that were fraudulent and customer service explained to me that I am not responsible for charges made fraudulently. My credit was account was immediately closed and a new Macy's/American Express card was issued to me. One week later, I receive a letter from Macy's stating in their opinion charges were NOT fraudulent, and my account was going into collections. This was after customer service gave me the names of two people who used my card fraudulently. Police are now involved. Do yourself a favor and stay away from Macy's/American Express!

by Susan
Shame on Macy’s American Express

Shame on Macy’s American Express! I just wanna say how disappointed I am in Macy’s and American Express. Macy’s is knowingly having their sales associates coerce people into signing up for a Macy’s American Express to get a $25 coupon that then expires in five days . Unfortunately I fell for it signed up for it and apparently the bills for this look just like my Macy’s bill and my American Express bill so I didn’t realize it was a entirely different and ignored it and I just about ruined my credit! So I guess when I was getting the bills I was ignoring them because I already had my Macys and American Express set up on auto pay. So imagine my surprise when I start getting harassing phone calls from them about me not paying my bill I finally answered one of the phone calls and explain to me what it was and I said OK please mail me the bill and I’ll pay it. Then they call me three days later harassing me again calling me repeatedly three times a day because I haven’t paid it yet and I said I haven’t even received it yet don’t you see where you just called me three days ago! On top of that they want me to compromise the integrity of my financial security by giving out credit card debit information over the phone and not wait for the bill. Shame on Macys And American Express!!! I’m canceling both. Tip for Macy’s and American Express if someone already has a Macy’s and an American Express don’t try to sell them on the same fucking thing!!!

by Maricela Camacho

I was a victim of Hurricane Harvey and I called in September of 2017 to request an extension for my payment due (truth is I called in my request late due to the natural disaster), but the initial representative was very sweet and understanding. There was NOOOOO misunderstanding on my part b/c I asked many questions to make sure that I was going to make my next payment on time. The representative informed me that my next payment won't be due until December 2017 and gave me the balance that would be due which was the balance for my September payment (which I found reasonable and thought they were helping me due to the natural disaster). Now I've been charged late fees and my minimum due has tripled. I honestly don't know what to do because I'm doing my best to keep my credit in good standing, but BEWARE of this scam! They are bringing people down at their LOWEST! You would think they would go a little out of their way to help, I will NEVER buy anything at Macy's again.

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