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.

Grace Period 25 days

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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  • 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:  
 22 reviews
by Gerry Steele
Poor Customer Service. Macy's American Express

I love Macy's Department Store and it is my favorite place to shop! Unfortunately someone stole my credit card number and used my info to purchase $300 at Baby's R Us in a foreign country! Throughout this whole experience I have been treated indirectly like the one who defrauded them! I think they need to look in house! Anyway my credit has been damaged through no fault of mine, my $2000 limit was reduced to $300 and now closed with no notice. I'm just extremely distressed and while they eventually cancelled out the charge I have credit dings and no card! I don't feel responsible in any way! I never lost my card someone got my number and charged something! Trying to tal to these people who are based in India is very difficult! I guess my next step is a lawyer!

by Linn

horrible card and can't even connect via Macys to pay on it

by Mike
Good experience

I got an additional 20% of all my macy's purchases on already discounted store prices. When registering the account online I accidentally put in security code on the back of the card instead of the front. Called customer service and within 5 minutes the block on my account (too many attempts) was cleared and I was on my way. Overall a good experience!

by barbara ford
This Is The Worst

Having used credit cards for more time than I will mention,this is the winner of the most offensive,useless,preying on customers,cant keep track of payments, card I have ever experienced.I paid my 42.00 bill on time.i have a canceled check.the bodies that answer the phone are useless.They cant find the payment..They want me to pay it again including the ridiculous $27.00 late fee.There is also a $2.00 interest fee..WTF.....You have been warned......Run as fast as you can away from this.I have other Macy and Amex cards.I love those folks..This new card(Macy/Amex) not so much..If I ever get this resolved trust I will burn this horrible little cardGod Bless

by Philip
archaic, draconian, scammy credit card practices

No website available for activate credit card. Have to call during certain hours on certain days of the week. Wait on hold forever. Atrocious late fees. Not in any way competitive with other credit cards.

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