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.

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.

For more information, see our FAQ section about this card.

Basic cardholders won’t earn any rewards, but if you raise your status to Platinum you’ll get 5% back at Macy’s.

Status Annual Spend Requirement Annual Star Passes Benefits
Silver $0–$499.99 3
  • Star Money Days
  • Perks and Offers
  • Birthday Surprise
Gold

$500–$1,199.99

6

  • Free Shipping
Platinum $1,200+ 12
  • 5% Back in Rewards at Macy’s

You’ll also get a variety of bonus categories outside of Macy’s:

Spending Rewards
  • 3X points per dollar at Restaurants
  • 2X points per dollar at:
    • Gas stations
    • Grocery stores
  • 1X point per dollar for all other purchases

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

  • 3X points per dollar at restaurants, 2X points per dollar at gas stations and grocery stores, 1X point for other purchases
  • Macy’s Star Pass Mailings
  • Surprise Savings at Register
  • Star Money Days
  • Registry Star Rewards
  • Free Shipping (Gold and Platinum members only)
  • 5% back in rewards at Macy’s (Platinum members only)
  • Birthday Surprise
  • No Annual Fee

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5% back in rewards at Macy’s (Macy’s Platinum members only)
  • 3X points per dollar at Restaurants
  • 2X points per dollar at:
    • Gas stations
    • Grocery stores
  • 1X point per dollar for all other purchases

Introductory Bonus

  • 20% off Macy’s purchases on the day you’re approved and the day after, up to $100 in savings
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.49% 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 None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 27.49% Variable
Cash Advance Fee 4%, $5 minimum

Card Benefits

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

  • Star Passes

    Get Star Passes each year, which can be used to get 25% off at Macy’s. Silver members get 3 per year; Gold members get 6; Platinum members get 12.

  • Perks and Offers

    Cardholders will receive occasional special offers at checkout, event invitations, access to exclusive sales, and more.

  • Birthday Surprise

    Cardholders will receive a birthday gift each year, usually a Macy’s discount.

  • Star Money Days

    Star Money Days are limited-time events during which cardholders can earn points for Macy’s purchases.

  • Registry Star Rewards

    Create a Wedding or Commitment registry shopping list at Macys to get 10% back in rewards for your own purchases, and 5% back in rewards for other people’s purchases.

  • Free Shipping

    Gold and Platinum-level cardholders get free standard shipping on purchases from Macy’s and macys.com.

  • 5% Back in Rewards

    Cardholders with Platinum status will earn 5% back in rewards at Macy’s when paying with their Macy’s cards.

  • Amex Offers

    The Amex Offers program provides extra points for purchases made at a changing selection of retailers. Each offer must be activated before using.

  • Travel Benefits

    A variety of perks provided by the ALTOUR travel service agency, including Air Privileges, Luxury Hotel Privileges, and Car Privileges.

  • Entertainment Access

    Macy’s American Express cardholders have access to presale tickets and reserved seats for concerts and events, when purchasing from ticketmaster.com/amexnetwork.

Visitor Reviews

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

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Average rating:  
 65 reviews
by felicia phillips
Customer Service

I returned an item in December 2018, they never removed the amount from my account and sent my bill with a late fee. I called and informed them that I returned the item, I had to give the receipt/store#. Then they sent me a certificate in the amount of my return, which I did not ask for, I had to call again and the wait time takes forever. I informed the representative that I wanted a credit to my account and also to remove the late that they charged me with. Now today 1/17/2019 as I am on hold and been on the line for over 45 mins. they still have a late fee on my account, which was supposed to be removed last month. There is too much of a language barrier, she kept telling me to hold on and I have been on hold longer then I am getting results. I will be closing this account.

by Linh
Bad Credit Card

My card was declined today after I spent time traveling in the rain, shopping and the store was closing at 8pm so I had to put the items back as I had no cash or any other credit card with me. Costumer Service wasted my time over the phone couldn’t tell me the reason eventhough my name is on the card on Macy’s American Express Platinum. I called my husband who made the payment over the phone and was told would be 15 minutes to activate. So I stopped by another store to shop, came to register and still got declined and now this other store was closing, and the cashier had to wait for me to make multiple phone calls to Macy’s American Express before a representative told me sorry for the misunderstanding but the policy is 72 hours to activate if pay over the phone. As a result after wasting about over 2 hours shopping and on the phone with American Express came out with no purchase! So frustrated and disappointed with Macy’s American Express in their policy and customer service. One would think Macy’s is a big department chain and would better than that!!

by MomOfFour
Macy's: The Next Sears?

Had a Macy's card for ages. They sent me this stupid Macy's AmEx unsolicited, which I didn't use. They transferred my purchase balance to the AmEx but not the autopay, then pow! hit me with major "late Fees" and interest. WTH -- it was on autopay!!!!! When you call the number on the statement, It's in the Philippines and they proceed to ask you for your personal information. I cancelled the card, paid it off, and they still sent me another bill with a minimum $2.00 interest charge because they didn't post my phone payment for 8 days. This is how you lose customers and become the next Sears. Congrats, Macy's.

by Patricia
Shame on American Express

agree with all of the previous reviews. Terrible website, outsourced and untrained customer service. Don't get this card unless you want to get ripped off or spend all of your time re-explaining what went wrong with charges or returns. I was promised reimbursement and had to fight to get it! Only got the card because American Express was the sponsor - what a mistake they've made in associating with this card - it's totally degraded their brand. I went back to my old Macy card!

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 !

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