Macy’s American Express® Card


Macy’s American Express® Card

For People with
Fair Credit

REVIEWS

Reviews

You can apply for this card online or by visiting a Macy’s store. 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.

Card Quick Facts

Card Quick Facts

  • 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.
Macy’s American Express® Card

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

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.
How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 25.74% (Variable)
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR Balance Transfer Not Available
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 24.75% (Variable)
Cash Advance Fee $5 or 4% of the amount of each cash advance, whichever is greater

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 58 reviews
by Monica R
TERRIBLE CARD-Do not get

Didn't even have the card three week before they charged me a late fee. It did not even go through a full billing cycle. They did not email, mail, or call me. I just happened to log on macys.com and added the card so I can see the info but I did that myself and it was not automatically added. I am supposed to receive a credit we shall see!

by Susan glezman

This is the first time I have given a No Stars review...I had been a customer and card holder of Macy's for 40 year!!!!!! Got a Macy's American Express P,antinuclear card in 2/2017...... Horrible customer service!!!! Horrible billing.... I will NEVER...repeat NEVER shop in a Macy's again...they lost a good customer...and future customers...I intend to tell everyone I can to Stay Away!!!!!!!

by Laila Barr
Terrible customer service

Sorry I ever got the Macy AmEx card. Should have kept the old one. Want to cancel the AmEx one as soon as I get the erroneous late charges and fees removed. Partially my fault since I had not changed new card number with bank when I paid a $41 bill before I travelled for a few months.Macy's never credited this in their next bill and while I was traveling and thought I was all paid up, nasty surprise when I get back, statement showing late fees etc more than $100.Called customer service number and explained and was assured everything would be taken care of and that next statement would show zero balance due. It didn't. Got new bill today and $41 paid had been deducted but late fees still not removed. Want to cancel card as soon as this matter has been straightened out,

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
POOR SERVICE ONLINE via TELEPHONE

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!!!!

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