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:  
 61 reviews
by Holly Gray
0 STARS They don’t give you a bill a outrages late charges

I have had a Macy’s card for years. Sales clerk talked me into getting this card. Said mild cardboard roll into this new card. Continued to pay my Macy’s bill as usual. Did not get an extra bill until it was three months later and hit my credit report. They said they could not contact me. (Really ? I was paying a bill they were already sending) It was then a nightmare to try to get it paid off. Customer service was horrible to the point it would not even give me any information on the card I supposedly had. When I got all the pieces together and pay the bill or year later it’s still effects my credit report ! STAY AWAY ! It a sneaky way for them to collect excessive late charges so you can salvage some of your credit rating and they will not work with you !

by RPN
There system doesn't recognize a return as a payment!

I contacted Customer Service to find out why my account was charged a late fee for items that were returned to the store PRIOR to the payment due date. I was informed that RETURNS ARE NOT CONSIDERED PAYMENTS! The bill was due on the 26th. of the month the return was made on the 22nd. Get this...the amount of the return was MORE THAN the amount due, but since it was a RETURN and not a PAYMENT...my account was automatically charged a late fee! Horrible and fraudulent! Visa, Mastercard nor Discover practice this type of trickery and thievery. Such a flawed system and policy should be illegal.

by Katrina
Watch out for those late fees/interest

I pay my statement through my bank's bill pay. Even though my bank says the payment is delivered in two days, I keep getting late fees and "minimum interest charges" -- even when I allow up to 6 days for delivery.

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!!!!!!!

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