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Macy’s American Express® Card

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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.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.24% Variable

Macy’s American Express® Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • 5% back in rewards at Macy’s (Macy’s Platinum members only)
  • 3% back in rewards at:
    • Macy’s (Macy’s Gold members only)
    • Restaurants
  • 2% back in rewards at:
    • Macy’s (Macy’s Silver members only)
    • Gas stations
    • Supermarkets
  • 1% back in rewards 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

Balance Transfers

A balance transfer is a way to move debt from one 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
How to Transfer a Balance on a Credit Card


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%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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
How to Get a Cash Advance with a Credit Card
Macy’s American Express® Card


  • 3X points per dollar at restaurants, 2X points per dollar at gas stations and grocery stores, 1X point for all other purchases
  • Macy’s Star Pass mailings
  • Surprise savings at checkout
  • Star Money days
  • Registry star rewards
  • Free shipping for Gold and Platinum members only
  • 5% back in rewards at Macy’s for Platinum members only
  • Birthday surprise every year
  • No annual fee

Department Stores National Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-257-6757 or

Try a different phone number

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.

Insider tip

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
Silver $0–$499.99 3
  • 2% back in rewards at Macy’s
  • Star Money Days
  • Perks and Offers
  • Birthday Surprise



  • 3% back in rewards at Macy’s
  • Free Shipping
Platinum $1,200+ 12
  • 5% back in rewards at Macy’s

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.

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