Macy's American Express® Card Review (2022)

The Macy's American Express Card is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.

Full Review of Macy's American Express® Card

table of contents

  • Full Review of Macy's American Express® Card

  • Pros Explained

  • Cons Explained

  • Macy's American Express® Card Bonus

    (Video) Macy's American Express Credit Card
  • Rewards Earning Details

  • Rewards Redemption Details

  • How to Maximize Your Rewards

  • Macy's American Express® Card's Outstanding Benefits

  • Standard Benefits

  • Cardholder Experience

  • Security Features

  • Our Verdict

    (Video) $50000 MACYS CREDIT CARD REVIEW 2022 | MACYS AMEX CREDIT CARD | MACYS CREDIT CARD INCREASE

Pros

  • Two-day coupon for new cardholders

  • Higher rewards rate at restaurants, supermarkets, and gas stations

  • Travel and shopping benefits

Cons

  • Subpar rewards at Macy’s, except for Gold level

  • Confusing application process

  • Rewards expire after 30 days

Pros Explained

  • Two-Day Coupon for New Cardholders: If you apply for the Macy's American Express® card and are approved, you'll get a 20% off coupon to use at Macy's, Macy's Backstage, or macys.com the day you're approved and the next day. Using the coupon, you can save up to $100. That coupon can be a nice benefit if you're planning an expensive purchase, like a new suit or handbag.
  • Higher Rewards Rate at Restaurants, Supermarkets, and Gas Stations: With the Macy's American Express® card, you can earn 3 points per $1 at U.S. restaurants, 2 points per $1 at U.S. gas stations and U.S. supermarkets, and 1 point per $1 everywhere else besides Macy's. Cardholders will earn 2% back in rewards at Macy's until they reach a higher earning tier.
  • Travel and Shopping Benefits: As a cardholder, you'll get access to extra travel benefits, including up to 10% off on Delta Airlines flights, up to 25% off qualifying car rentals, and hotel discounts. You'll also have Entertainment Access, where you can buy tickets to major events before the general public.Depending on how much money you spend at Macy's, you'll also qualify for these shopping benefits:
  • $1 to $499 annual spend: You'll achieve Silver rewards status if you spend up to $499 per year at Macy's. This level gives you a 25% off Star Pass, along with special sales and a "birthday surprise." Cardholders are granted automatic Silver status.
  • $500 to $1,199 annual spend: You'll reach Gold level if you spend between $500 and $1,199. At this level, you get all the perks of the Silver level, plus free shipping. You'll also earn 3% back in rewards when using your Macy's card.
  • $1,200+ annual spend: If you spend $1,200 or more per year at Macy's, you'll reach Platinum level. You get all the perks of Gold level, and you'll also earn 5% in rewards on Macy's purchases.

Cons Explained

  • Subpar Rewards at Macy's, Except for Gold Level: Despite being called the Macy's American Express® card, this credit card doesn't offer much in the way of rewards for shopping at Macy's unless cardholders reach Gold status by spending at least $500 a year there.You'll still earn 3 points per $1 at restaurants, 2 points per $1 at gas stations and supermarkets, and 1 point per $1 everywhere else. If you attain Platinum status, your Macy's purchases will earn 5 points per dollar.
  • Confusing Application Process: The application process for the Macy's American Express® Card can be confusing. When you submit your application, you're considered for both the Macy's American Express® card or the Macy's credit card, a store card that can only be used at Macy's.If your credit is good enough, you'll be approved for both cards, and you can choose which one you want. However, if your credit isn't good enough to qualify for the American Express card, you may still be approved for the Macy's credit card.
  • Rewards Expire After 30 Days: When you earn rewards, you have to use them quickly. Once you accumulate 1,000 points, you'll receive $10 in Star Money rewards, which you can use in-store at Macy's or online at Macys.com. However, your Star Money rewards expire 30 days after they're issued, so you'll lose your rewards entirely if you don't use them by then.

That's a major drawback. With many other rewards credit cards, your points never expire, and you can redeem them at any time.For example, the Discover it Cash Back card offers 5% cash back at different places each quarter, up to a quarterly maximum, and 1% cash back on all other purchases. Your cash-back rewards never expire, and you can redeem your rewards when you've accumulated as little as $0.01 worth.

This Card is Best For

  • Macy's American Express® Card Review (1)

    Resists or refuses an annual fee on principle or due to cost

    (Video) The Secret High Limit Credit Card! Macy's American Express Credit Card! Grow your credit limit fast!
    Annual Fee Averse
  • Macy's American Express® Card Review (2)

    Seeks to maximize points or miles earnings across spending categories

    Rewards Strategist

The Macy's American Express® card is best suited for Macy's devotees who regularly shop at the store and spend at least $1,200 per year there.

With this card, you'll earn a higher rewards rate at U.S. restaurants, U.S. gas stations, and U.S. supermarkets. And, if you spend $1,200 per year at Macy's and automatically become a Platinum level member, you'll get extra perks like 5% back in rewards on Macy's purchases, free shipping, and special discounts.

This card also gives you access to travel benefits that can help you save money, such as discounts on hotels and cruises.

Macy's American Express® Card Bonus

With most credit cards that offer a bonus, you have to spend a certain amount within the first few months of opening an account to qualify. The Macy's American Express® card works differently. When you're approved for the card, you'll get a two-day coupon for 20% off at Macy's, worth up to $100 in savings. While that's a decent bonus for a card with no annual fee, other cards offer more generous bonuses.

For example, with the Quicksilver card from Capital One, you'll get a $200 cash bonus if you spend $500 on purchases within the first three months of opening an account. The card has no annual fee, and you'll earn unlimited 1.5% cash back on every purchase.

Rewards Earning Details

As a Macy's American Express® cardholder, you'll earn the following rewards:

  • 3 points per $1 at restaurants
  • 2 points per $1 at gas stations and supermarkets
  • 1 point per $1 on all other purchases, outside of Macy's

If you spend $1,200 or more per year at Macy's and become a Platinum level member, you'll also earn 5 points per $1 spent at Macy's, Macy's Backstage, and Macys.com.

Rewards Redemption Details

With the Macys American Express® card, there's only one redemption method: Star Money rewards. When you have accumulated 1,000 points, you'll automatically receive $10 in Star Money rewards. You can use your Star Money rewards at Macy’s stores, Macy's Backstage, or at Macys.com.Star Money rewards can't be used to purchase gift cards or Beauty Box subscriptions. Nor can they be used at restaurants located inside a Macy’s store.

Star Money rewards expire 30 days after they’re issued. If your credit card account is closed, or if you fail to make a qualifying purchase with your card for 12 months, you’ll lose your rewards.

How to Maximize Your Rewards

If you want to get the most value from this card, you should aim to spend at least $1,200 per year at Macy's so you can reach Platinum status and earn 5 points per $1 on your Macy's purchases.

The card offers 3 points per $1 at restaurants, which is a fairly high rate of return. You'll also earn 2 points per $1 at gas stations and supermarkets. So use the card whenever you dine out, grocery shop, or fill up your car to earn more points for your routine expenses.

(Video) Macy's Credit Card Review

Macy's American Express® Card's Outstanding Benefits

  • Up to $150 back on Celebrity Cruises
  • Discounts on select hotels
  • Up to $100 back on RV rentals through Cruise America

Standard Benefits

  • Entertainment Access for advance ticket sales

Cardholder Experience

The Macy's American Express® card is issued by Department Stores National Bank, an affiliate of Citibank. Department Stores National Bank, which also issues Bloomingdale's American Express card, is not rated in J.D. Power's 2021 U.S. Credit Card Satisfaction Study. Citibank scored 805 out of 1,000 in that study, compared with the national average of 809.

The Macy's credit card customer service team can be reached by calling 888-257-6757. An automated system is available 24 hours a day. However, customer support is only available to answer questions Monday through Sunday from 10 a.m. to 10 p.m. EST.

If you have a problem with your account after hours, you may find the limited customer support frustrating. That's a big difference compared to most major credit cards, which offer 24-hour support.

Security Features

The card has standard security features, such as liability protection and chip technology.

Our Verdict

If you spend a significant amount of money at Macy's—$1,200 or more per year—you may find the Macy's American Express® card valuable. When you reach Platinum level, you'll receive 5 points per $1 spent at Macy's, along with the card's regular higher rewards rates at restaurants, gas stations, and supermarkets. The card also offers extra perks like special discounts, free shipping for select cardholders, and travel benefits. Plus, it has no annual fee.

However, this card won't be as useful if you spend less than $1,200 a year at Macy's. If you don't meet that threshold, you will earn rewards at a lower percentage on your Macy's purchases. And, the rewards expire 30 days after being issued, so you risk losing your rewards entirely.

Alternatively, you might want to sign up for a general rewards card like the Citi Double Cash card. It has no annual fee, and you'll earn 1% cash back on all purchases plus another 1% when you pay for those purchases. Your rewards won't expire as long as you use your card at least once every 12 months.

Investopedia Credit Card Rating Methodology

Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.

Overall Star Rating Explained

To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:

We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:

  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable FeesCredit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive InterestMany cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable RewardsCredit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent BenefitsCredit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer ServiceSecurity and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.

FAQs

What's the difference between a Macy's card and a Macy's American Express card? ›

The Macy's Credit Card is a store card, which means you can only use it at Macy's properties. If you prefer a full-use credit card to use on spending outside of Macy's, there is a Macy's American Express Card, which offers 1% to 3% back on purchases at gas stations, supermarkets, restaurants and more.

What are the benefits of having a Macy's American Express card? ›

Annual fee: Neither card charges an annual fee. Rewards: Macy's American Express cardholders earn 3% back in rewards when using the card at restaurants, 2% back at gas stations and supermarkets, and 1% back on all other purchases.

What credit score is needed for Macy's American Express? ›

Most applicants who are approved for a Macy's Credit Card have a FICO® Score of 600 or higher. If you're aiming for the Macy's American Express® Card, you'll likely need a score of at least 670; ideally, your score should be 700 or higher.

Can Macy's American Express be used anywhere? ›

There are two main versions of the Macy's credit card: a closed-loop card that you can only use at Macy's and an open-loop American Express card that can be used anywhere American Express is accepted. Neither card comes with an annual fee.

Is Macys Amex a real Amex? ›

American Express is a federally registered service mark of American Express and is used by Department Stores National Bank pursuant to a license. The Macy's American Express Card program is issued and administered by Department Stores National Bank. Make everyday purchases more rewarding with Amex Offers.

Do you have to pay Macy's American Express in full? ›

You may pay all or part of your account balance at any time. However, you must pay at least the Minimum Payment Due by the payment due date each billing cycle. The sooner you pay the New Balance, the less you will pay in interest charges.

Is it a good idea to get an American Express card? ›

Yes, an American Express card is worth it for people with good or excellent credit scores who want to earn rewards on U.S. purchases that they'll pay for in full by the due date every month. An Amex card may also be worth it for people who want an introductory low-interest period in addition to rewards.

What is the highest credit limit for Macy's? ›

Whats the starting credit limit for Macy's Credit Card? The starting credit limit for Macy's Credit Card can be anywhere between $300 to $1,900, according to online cardholder reports.

What are the disadvantages of American Express card? ›

The primary drawback of American Express cards is the fact that they charge companies for the payments that they process. This is because they have their own payment network and don't rely on companies like Visa and Mastercard. This means that some businesses, especially smaller ones, may not accept American Express.

Is it hard to get a Macy's American Express? ›

Yes, it is hard to get the Macy's Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Macy's Credit Card.

Does Walmart accept Macy's Amex? ›

Yes, Walmart does accept American Express credit cards, debit cards and gift cards.

Can I get an Amex card with a 650 credit score? ›

To be approved for the Amex Platinum, you need to have a good or excellent credit score. This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715.

What is a Macys American Express card? ›

The Macy's American Express® card is best suited for Macy's devotees who regularly shop at the store and spend at least $1,200 per year there. With this card, you'll earn a higher rewards rate at U.S. restaurants, U.S. gas stations, and U.S. supermarkets.

Is a Macy's American Express card a credit card? ›

The Macy's American Express Credit Card is a good credit card for people with good credit or better who regularly shop at Macy's. The Macy's Amex Card has a $0 annual fee, gives decent rewards, and makes you eligible for special discounts throughout the year.

Why is American Express not popular? ›

American Express is not popular among some consumers and merchants because it charges high interchange fees, causing Amex cards to be less widely accepted around the globe than Mastercard or Visa cards. These fees can be very costly to merchants.

What bank issues the Macy's American Express card? ›

Citibank, N.A. is the issuer of the Macy's Credit Card and the Macy's American Express Card.

How do I pay off my Macy's American Express card? ›

The easiest way you can pay your Macy's Credit Card bill is online. Alternatively, you can make a payment over the phone at (888) 257-6757, by mail, or at a Macy's store. You can also set up automatic payments. The same payment options apply to the Macy's Store Card, too.

Which American Express card is the hardest to get? ›

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.

Do American Express cards have to be paid off every month? ›

Unlike traditional credit cards, American Express cards do not have a regular APR or charge interest, as all balances must be paid in full each month. However, the Gold card does offer cardmembers the flexibility to pay for purchases of $100 or more over time at a set interest rate.

Can I get cash from my Macy's American Express card? ›

You can get cash advances at ATMs with your Macy's card but only after your account is upgraded to the Macy's American Express. And keep in mind that you will need to call the number on the back of your card to obtain a PIN.

Does American Express give you a limit? ›

If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible.

Which card is better American Express or Visa? ›

Winner: Visa

In fact, Visa is one of the most accepted payment networks in the world. American Express is accepted by 99% of the merchants that accept credit cards, but it's still not as widely accepted as Visa. American Express has long charged higher credit card processing fees than other payment networks.

Does American Express improve credit score? ›

American Express can help your credit score if you are the primary accountholder or an authorized user aged 18 or older on an American Express credit card or charge card account. For an Amex card to be good for your credit score, the account must be kept in good standing with on-time monthly bill payments.

Why would anyone get an American Express card? ›

Amex is so popular because it offers high-end credit cards with great rewards and luxury perks, which have become status symbols in popular culture over time.

Can I get a Macy's card with 630 credit score? ›

You need good or excellent credit (700 or higher) to get the Macy's Amex, and at least fair credit (640 or higher) to get the Macy's Store Card.

Is Macys an easy credit card to get? ›

Approval Requirements & Application

The Macy's Credit Card is considered to be a relatively easy card to obtain, with flexible credit requirements that make it a potential win for even those with poor credit. Credit limits cover the spectrum, with reviewers reporting limits ranging from $500 up to $8,000.

Does Macy's automatically increase credit limit? ›

The Macy's Credit Card may offer an automatic credit limit increase if Department Stores National Bank's regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.

Where is American Express not accepted? ›

Countries Where American Express is Accepted Most: Canada, Australia, UK, India, Singapore. Places Where American Express is Not Accepted: Cuba, Sudan, South Sudan, Iran, Syria.

Why is American Express card expensive? ›

The main reason why Amex cards are so expensive is that many American Express credit cards offer generous rewards rates and high-end perks, which warrant steep annual fees. Amex cards are targeted toward people with good credit and high incomes who are likely to charge large amounts to their cards every month.

Is it smart to get an American Express? ›

Yes, it is good to have an American Express credit card because Amex cards offer bonus rewards on a variety of purchases for people with good or excellent credit. American Express cards also come with an array of welcome offers and introductory 0% APR promotions, in addition to a certain air of prestige.

What is the minimum credit score for American Express? ›

According to the score ranges from FICO, that means American Express applicants typically have at least a 670 score: Exceptional. 800 and above.

Is American Express A prestigious card? ›

Why It's One of the Most Exclusive Credit Cards: The most exclusive, prestigious credit card is without a doubt the American Express Centurion Card, otherwise known as the Amex Black Card. That's because it's the most famous.

Can I use Amex card at Target? ›

Target stores

Third-party Credit Cards: Visa®, Mastercard®, Discover®/Novus®, American Express®, credit cards from foreign banks (JCB Japanese Credit Bureau), Diner's Club International, and FSA/HSA cards are redeemable for FSA/HSA eligible items. Debit/ATM and EBT Cards: U.S.-issued debit/ATM cards.

Why is American Express not accepted everywhere? ›

The different fees often make or break a deal for a merchant. This is why many merchants, especially small businesses, don't accept American Express. American Express' interchange fee is just too high. Providers like Visa and Mastercard charge between 1.15% and 2.5%, while Amex charges merchants between 1.43% and 3.3%.

What is the easiest Amex card to get approved for? ›

When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.

Why are Amex cards hard to get? ›

It's generally harder to get an American Express card than it is to get a credit card from many other major issuers simply because all of Amex's credit card offers require good or excellent credit for approval.

Does Amex still have a black card? ›

The American Express Centurion Card is the official name of the Amex Black Card. The Black Card is a high-end, exclusive charge card issued by American Express. Platinum Card holders must meet certain criteria to be extended an invitation. The American Express Black Card comes in personal and business variants.

What's the difference between an American Express card and a regular Credit Card? ›

The main difference between American Express and Visa is that American Express is both a card issuer and a payment network. Visa is only a payment network and has cards issued by other banks, like Chase, Bank of America, etc.

What's the highest Macy's card? ›

Platinum: This is the highest tier possible and is only available for customers who spend $1,200 or more each year at Macy's stores. These customers receive all the perks offered on the other tiers, and they also earn 5% back in rewards on every purchase.

Is an American Express card worth it? ›

Yes, an American Express card is worth it for people with good or excellent credit scores who want to earn rewards on U.S. purchases that they'll pay for in full by the due date every month. An Amex card may also be worth it for people who want an introductory low-interest period in addition to rewards.

What are the cons of having an American Express card? ›

The primary drawback of American Express cards is the fact that they charge companies for the payments that they process. This is because they have their own payment network and don't rely on companies like Visa and Mastercard. This means that some businesses, especially smaller ones, may not accept American Express.

Why is American Express so special? ›

American Express is special because it is a luxury credit card brand, known for offering elite rewards and having exclusive approval requirements. American Express also is among the country's largest credit card issuers by purchase volume, and it is one of the four major payment networks.

Which Amex card is hardest to get? ›

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.

How do I pay my Macy's American Express card? ›

How to Pay Your Macy's Credit Card. Online: Log in to your online account and click on “Make a Payment”. Over the phone: Call (888) 257-6757 and enter your card information when prompted. In store: You can make a payment at any Macy's location.

Which Amex card is highest? ›

The highest level American Express card is the Centurion card, which is also known as the 'black card.

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