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While this card offers some rewards for spending elsewhere, you’ll also earn 2%–5% back at Macy’s depending on how much you spend. Along with a higher-than-average purchase APR, you’ll get a birthday surprise every year, Star Money Days, and surprise savings at checkout.
Introductory Bonus |
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A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
Intro Balance Transfer APR | N/A |
Regular Balance Transfer APR | N/A |
Balance Transfer Fee | N/A |
Penalty APR | N/A |
Late Fee | Up to $39 |
Returned Payment Fee | Up to $39 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | 3% |
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 27.24% Variable |
Cash Advance Fee | 4%, $5 minimum |
You can usually pay your bill online on your
Credit card issuer's websiteYou 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.
If you have the regular Macy’s Credit Card (Review) you may receive an offer to upgrade to this card, or you may be automatically upgraded. Click here to learn how to decline that offer.
Basic cardholders won’t earn any rewards at Macy’s, but if you raise your status to Platinum you’ll get 5% back at Macy’s.
Status | Annual Spend Requirement | Annual Star Passes | Benefits |
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Silver | $0–$499.99 | 3 |
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Gold |
$500–$1,199.99 |
6 |
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Platinum | $1,200+ | 12 |
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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.