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.

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 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:  
 49 reviews
by Sanjeet Kumar
Very bad credit card I ever seen, No online account to manage

I have applied for american express card through Macys, I couldn't manage the account online. Whenever I login to macys account it says add your card. I have already added the card and acitvated already. There is no way to manage the account online. I have called costumer care also but no help . If there could be review rating to give -1 star I could give.

by Emily
Feels like a scam

As a frequent shopper at Macy's who has used the previous credit card and the current American Express card, I came to realize how terrible the AE card is. Be aware; you receive your monthly statement reminding you to make a payment 3 days AFTER the monthly due date. Unless you've enabled AutoPay, you won't be reminded to pay off your balance on time. So if you're piling up interest charges and late fees, that is why! This is absolutely frustrating because all the other credit cards companies send out statement balance reminders 3-5 days before the due date; that enables enough time to pay on time and charges incurred between when reminders are sent and the due date are temporary and won't affect anything. Either enable AutoPay (which decreases your ability to track fraudulent charges) or avoid using this card altogether!

by Mama Sissohore

Macy's American Express credit card is the worst credit card ever. This credit card is a scam. I don't recommend anyone getting this credit card. My experience with Macy's American Express was horrible and I was tricked to open account that I don't need. I closed the account they kept it open, charged late fees on the closed account with $0. They almost ruined my credit score it took me lot of time to correct their mess they created. Dealing with them was like dealing with human robot. BE CAREFULL.

by Olivia
Not Satisfied.

Balance transfers from other credit companies are not allowed. That is the reason that I'm giving them one star.

by Kathy Pierron
Beyond reason

5 months ago I received a call about possible fraudulent charges on my card & yes the charges were fraudulent, In fact,, this is the third time the card was accessed & used fraudulently. I have submitted all necessary paperwork to the fraud dept twice now & continue to receive non stop calls about the delinquent account. How can a company be so inept in following through with claims? I have asked for the account to be closed & have been assured that I have completed the required paperwork for the appeal. Yet , I continue to get ongoing phone calls from Macy’s & Citibank that the account is delinquent. Enough ! Please do your part & get this resolved. I will never get another Macys credit card & don’t recommend anyone else have one. Good luck if your account ever gets hacked, it’s bern ridiculous.

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