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Macy’s American Express Card review
Last updated:
- Get this card if you’re a frequent shopper at Macy’s.
- Pick something else if you want the highest rewards on everyday purchases, or if you don’t shop much at Macy’s.
- Apply with a good to an excellent credit score of 670 and higher.
Up to 5%
Cash back
$0
Annual fee
25.24%
Purchase APR (variable)
670
Recommended credit score
Details
| Product Name | Macy’s American Express Card |
|---|---|
| Annual fee | $0 |
| Purchase APR | 25.24% variable |
| Balance transfer APR | N/A |
| Cash advance rate | 25.24% variable |
| Cash advance fee | $5 or 4% of the cash advance amount, whichever is greater |
| Foreign transaction fee | 3% of the transaction value |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $40 |
| Returned payment fee | Up to $40 |
Expert review
Review by
Kevin Joey Chen
kevin.chen@findercrew.comKevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
Expert review
How to apply for the Macy’s American Express Card
- Visit the Macy’s website.
- Click Apply now.
- Complete the application form with details like your name, contact information, Social Security number and financial information.
- Review your information and submit your application.
What credit score do I need?
If you want the Macy’s American Express Card, consider applying with a good to excellent credit score of 670 or higher.
If your score is lower than that, you may still be approved for the Macy’s Credit Card. Some users have reported getting approved with credit scores around 600. However, approval is never guaranteed regardless of your score.
Star Rewards tiers and benefits
Here’s how much you must spend to reach certain tiers in the Star Rewards program.
| Status | Required spend within a calendar year |
|---|---|
| Silver | $1 to $499.99 |
| Gold | $500 to $1,199.99 |
| Platinum | $1,200+ |
Benefits based on Star Rewards status
| Benefit | Platinum | Gold | Silver | Bronze |
|---|---|---|---|---|
| 5% rewards rate on Macy’s purchases |  | |||
| 3% rewards rate on Macy’s purchases | | |||
| 2% rewards rate on Macy’s purchases | | |||
| 1% rewards rate on Macy’s purchases | | |||
| Free standard shipping with no minimum | | | ||
| 25% off any day with Star Passes | | | | |
| Birthday surprise | | | | |
| Perks and offers | | | | |
| Star Money Bonus Days | | | | |
Compare store credit cards
Bottom line
The Macy’s American Express Card offers solid rewards when you spend at its affiliated retailer. It also offers good rewards for everyday purchases outside of Macy’s. However, you’re not guaranteed to get the American Express version, and there are great cashback cards that may serve you better if you’re not a frequent Macy’s shopper.