Macy's American Express Card
A retail card (issued by Citi) that earns Star Rewards at Macy's and cash back on everyday purchases outside the store, with Macy's Star Loyalty perks.
Why it ranks
- No annual fee
- Rewards both in-store and everywhere
- Loyalty perks at Macy's
What holds it back
- High store APR
- Best value only for Macy's loyalists
- Store-only version is limited to Macy's
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A retail card (issued by Citi) that earns Star Rewards at Macy's and cash back on everyday purchases outside the store, with Macy's Star Loyalty perks.
Macy's American Express Card at a glance
| Issuer | Macy's |
| Card network | Amex |
| Annual fee | No annual fee |
| Welcome bonus | Extra savings on your first Macy's purchase as a new cardholder |
| Rewards rate | Up to 5% back in Star Money at Macy's (varies by loyalty tier), plus cash back on gas, dining/restaurants and supermarkets and 1% everywhere else |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Fair to Good (640+) |
| Best for | Regular Macy's shoppers who want everyday rewards too |
| Airport lounge access | No |
Rewards & benefits
- Star Rewards points and loyalty tiers at Macy's
- Cash back outside Macy's on the Amex version
- Cardholder savings events and birthday surprise
Eligibility & who it suits
- Fair-to-good credit score
- Macy's account
- Sufficient income to support the line
How to apply
Check current rates on Macy's’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | MMacy'sMacy's American Express CardNo annual fee · US Macy's American Express CardRegular Macy's shoppers who want everyday rewards too |
None | Up to 5% back in Star Money at Macy's (varies by loyalty tier), plus cash back o… | Extra savings on your first Macy's purchase as a new cardhol… | None | Fair to Good (640+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
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