Macy's American Express® Card

Macy's American Express® Card

in Personal Credit Cards from Citibank


Macy's American Express® Card


in Personal Credit Cards from Citibank

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Purchase APR  (Variable APR) Up to 25.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A

Macy's American Express® Card Review

This is a store credit card issued by Citibank. If you're wondering whether Macy's American Express card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Macy's American Express card
The Good The Bad
  • Receive 3% back in rewards from restaurants. Receive 2% back in rewards from gas stations and supermarkets. Receive 1% back in rewards with every purchase.
  • All Cardholders get 25% off any day with Star Passes
  • Annual Cardholders spend at Macy's: $500-$1,199 Gold & Platinum get free shipping, no minimum no minimum, at Macy's
  • Platinum Members - Annual Cardholder spend at Macy's: $1,200+ Platinum gets 5% back in rewards on merchandise, no exclusions at Macy's with your Macy's Credit Card.
  • Macy's American Express® Card reports to multiple credit bureaus.
  • High interest rates.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.
Macy's American Express card FAQ

Does Macy's American Express card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Macy's American Express card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Macy's American Express card?

It has a variable purchase APR of up to 25.24%.

The card has a variable cash advance APR of up to 25.24%.

Does Macy's American Express card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Macy's American Express card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Macy's American Express card?

The following fees apply:

Macy's American Express card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Macy's American Express card have a foreign transaction fee?

Macy's American Express card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Macy's American Express card?

The Macy's American Express card customer service number is (800) 950-5114.

What is the support contact email for Macy's American Express card?

The support contact email for Macy's American Express card is

Does Macy's American Express® Card report your account activity to credit bureaus?

Yes, Macy's American Express® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Macy's American Express card

  • Visit the Macy's American Express card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Macy's American Express® Card

Citi works tirelessly to provide consumers, corporations, governments and institutions with a broad range of financial services and products. We strive to create the best outcomes for our clients and customers with financial ingenuity that leads to solutions that are simple, creative and responsible. Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities. We protect people's savings and help them make the purchases – from everyday transactions to buying a home – that improve the quality of their lives. We advise people on how to invest for future needs, such as their children's education and their own retirement, and help them buy securities such as stocks and bonds.

Become a Macy's Cardholder and earn more on every purchase at Macy's except Gift Cards, services and fees. Every time you shop, you'll get closer to unlocking additional benefits.


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Cash Advance APR (Variable APR) Up to 25.24%
Balance Computation Daily Balance (including current transactions)
Purchase APR (Variable APR) Up to 25.24%
Card Type
  • Store Card
Card Network American Express

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