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.
Macy’s American Express® Card
Highlights & Features
Rewards
- 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 savingsBalance Transfers
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 |
Fees
| 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% |
Cash Advances
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 |
Macy’s American Express® Card
Highlights
- 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
ABOUT THE ISSUER
Department Stores National Bank
Manage your Account & Pay your Bill
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.
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 |
|
| Gold |
$500–$1,199.99 |
6 |
|
| Platinum | $1,200+ | 12 |
|
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.
