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Macy’s American Express® Card

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While this card does offer some basic rewards for spending elsewhere, you’ll only earn 5% back at Macy’s after you spend at least $1,200 there annually. 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
Credit range: Fair
Annual Fee: $0
Regular APR: 27.24% Variable

Macy’s American Express® Card

Our rating
Fair Credit range
$0 Annual Fee
Apply Now Read our Review

Highlights & Features


  • 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


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 credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR None
Balance Transfer Fee None


Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee None
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

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
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

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.

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
  • Star Money Days
  • Perks and Offers
  • Birthday Surprise



  • 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.