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.
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
See the Current Offer
Earn
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