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Macy’s American Express Card review

  • 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% back at Macy's with Gold status, 3% back at restaurants, 2% at gas stations and supermarkets and 1% back on all other purchases



Annual fee

25.24% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offer20% off eligible Macy’s purchases the day of and day following approval
RewardsUp to 5% back at Macy's with Gold status, 3% back at restaurants, 2% at gas stations and supermarkets and 1% back on all other purchases
Purchase APR25.24% variable
Balance transfer APRN/A
Minimum Credit Score670
IssuerAmerican Express,Store card

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,, Lifehacker and 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

The Macy’s American Express Card is a $0-annual-fee store credit card valid at Macy’s, Macy’s Backstage and This card belongs to the American Express network, which means it’s an open-loop product that can be used outside the retailer.

One of the card’s big benefits is it gives you immediate Silver status in Macy’s Star Rewards program. This gives you a 2% rewards rate on Macy’s purchases, while you’d get only 1% as an entry-level Bronze member. As you spend more at Macy’s, you can reach Gold and Platinum statuses — which offer 3% and 5% back, respectively.

How to apply for the Macy’s American Express Card

  1. Visit the Macy’s website.
  2. Click Apply now.
  3. Complete the application form with details like your name, contact information, Social Security number and financial information.
  4. 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.

StatusRequired spend within a calendar year
Silver$1 to $499.99
Gold$500 to $1,199.99

Benefits based on Star Rewards status

5% rewards rate on Macy’s purchasestransparent-green-tick
3% rewards rate on Macy’s purchasestransparent-green-tick
2% rewards rate on Macy’s purchasestransparent-green-tick
1% rewards rate on Macy’s purchasestransparent-green-tick
Free standard shipping with no minimumtransparent-green-ticktransparent-green-tick
25% off any day with Star Passestransparent-green-ticktransparent-green-ticktransparent-green-tick
Birthday surprisetransparent-green-ticktransparent-green-ticktransparent-green-ticktransparent-green-tick
Perks and offerstransparent-green-ticktransparent-green-ticktransparent-green-ticktransparent-green-tick
Star Money Bonus Daystransparent-green-ticktransparent-green-ticktransparent-green-ticktransparent-green-tick

Compare store credit cards

Name Product Annual fee Purchase APR Minimum Credit Score
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14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Merit Platinum
Apply with no credit or bad credit, for use on the Horizon Outlet website.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.

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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.

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