Macy's American Express Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified May 2026against the issuer's published terms.
Important considerations
- Rewards do not transfer to travel partners
Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.
Based on this card's terms last verified May 2026.
Earning rates
1Rewards mechanic: purchases earn Star Rewards points (not cashback or transferable miles) that convert into Star Money, Macy's-only reward dollars credited to your Star Rewards account and redeemable on future Macy's purchases (typically issued in increments once a points threshold is reached, per the Macy's Star Rewards program terms)
Statement credits
1- $2520% off welcome discount tied to card approval
20% off welcome discount tied to card approval: new Macy's American Express cardholders historically receive 20% off Macy's purchases during a defined enrollment window after approval. Macy's has marketed this benefit in two formats over time (20% off the first 2 days of purchases after approval as a higher-rate intro, and a longer 20% off through day 14 / first two weeks variant); current offer language on the Macy's credit application page should be consulted at apply for exact terms, with $25 cap on the discount commonly applied
Perks & memberships
4- Card networkIssuer and network: the Macy's American Express Card is issued by Department Stores National Bank (DSNB), a subsidiary of Citibank, N.A., and runs on the American Express payment network, meaning the card is accepted at any merchant in the U.S. and abroad that accepts American Express, not just at Macy's
- Card networkTwo card tiers exist under the Macy's credit umbrella: the Macy's Credit Card (store-only, works at Macy's and Bloomingdale's only) and the Macy's American Express Card (general-purpose Amex-network card with broader earn categories outside Macy's); only applicants who qualify for the higher-tier product are offered the Amex version
- Card network3% back in Star Money at restaurants (purchases at restaurants and dining merchants, coded as restaurants on the Amex network and excluding Macy's-operated dining venues, earn 3% back in Star Money, exclusive to the Amex-network version of the card)
- Card network2% back in Star Money at gas stations and supermarkets (purchases coded as gas stations and grocery stores on the Amex network earn 2% back in Star Money, also exclusive to the Amex version and not earned on the store-only Macy's Credit Card)
More benefits & fine print (10)ShowHide
- 5% back in Star Money at Macy's and Bloomingdale's (the cardholder earns 5% of qualifying purchases at Macy's and Bloomingdale's back as Star Money, the highest in-house earn rate available on the card portfolio, per Macy's Star Rewards Credit Card benefits page)
- 1% back in Star Money on all other purchases anywhere American Express is accepted (every other purchase outside Macy's, restaurants, gas, and supermarkets earns 1% back, giving the Amex version of the card a baseline earn rate even on general spend)
- Star Rewards loyalty tiers: cardholders are enrolled in Macy's Star Rewards program and progress through tiers (Bronze, Silver, Gold, Platinum) based on annual qualifying card spend at Macy's, higher tiers unlock perks such as free shipping at lower thresholds, bonus point events, birthday surprises, and Star Pass coupons (per Macy's Star Rewards program terms)
- Platinum-tier benefits (top spending tier, typically reached at $1,200+ in annual Macy's card spend): includes 5% back in Star Money on Macy's purchases plus elevated rewards events; Platinum tier is achievable on either card variant but the Amex version compounds value by also earning outside Macy's
- Gold-tier benefits (typically $500+ in annual Macy's card spend): includes free shipping with no minimum on Macys.com when using the card, plus additional Star Rewards events and Star Pass savings windows
- Free standard shipping at $25 for cardholders (Macy's American Express cardholders qualify for free standard shipping on Macys.com orders of $25 or more, a lower threshold than the standard non-cardholder free-shipping threshold; Gold and Platinum tier cardholders unlock free shipping with no minimum)
- Exclusive cardholder savings and Star Pass coupons: cardholders receive recurring Star Pass discounts (typically extra 20%-30% off select departments during cardholder-only savings windows), early access to Friends & Family events, and bonus-point days where Macy's card purchases earn additional Star Money beyond the base 5%
- Birthday surprise and milestone perks: Star Rewards members enrolled with a Macy's card receive a birthday treat (varies by tier, often a coupon or bonus Star Money), and reach-milestone rewards as they progress through Star Rewards tiers
- Foreign transaction fee: the Macy's American Express Card charges a foreign transaction fee on purchases processed outside the United States or in a foreign currency (typically 3%, see the DSNB cardholder agreement for the exact rate); this makes the card a poor choice for international travel spend versus no-FTF travel cards
- Mobile wallet and account management: the Macy's American Express Card supports Apple Pay, Google Pay, and Samsung Pay; cardholders manage their account, view Star Money balance, and pay bills through the Macy's app or the DSNB/Citi-hosted Macy's credit card servicing portal
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
See the Current Offer
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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