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Up to 5%
Cash back
$0
Annual fee
25.24%
Purchase APR (variable)
670
Recommended credit score
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 |
Review by
Kevin 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.
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.
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+ |
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 | ![]() | ![]() | ![]() | ![]() |
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.