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  Macy's American Express® Card

Macy's American Express® Card

in Personal Credit Cards from Citibank

Unaffiliated

Macy's American Express® Card

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee N/A
Purchase APR  (Variable APR) Up to 27.24%
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants

Macy's American Express® Card Review

Macy's American Express® Card 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 is everything you need to know to make a good choice.

  • Up to a rewards rate of up to x.
  • 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.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
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.
  • Earn rewards on every purchase.
  • Macy's American Express® Card reports to multiple credit bureaus.
  • High interest rates.
  • Requires good to excellent credit.
  • 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 rewards.

Is there a Macy's American Express® Card cash back or rewards program?

No, Macy's American Express® Card does not offer a rewards program.

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

Macy's American Express® Card has a variable purchase APR of up to 27.24%.

The card has a variable cash advance APR of up to 27.24%.

Does Macy's American Express® Card have an introductory APR offer on balance transfers??

No, Macy's American Express® Card does not come with an introductory APR offer for balance transfers.

Does Macy's American Express® Card have an introductory APR offer on new purchases??

Macy's American Express® Card does not offer an introductory rate on new purchases.

What are the Macy's American Express® Card fees?

The following fees apply to Macy's American Express® Card:

Macy's American Express® Card Fees
Fees Amount
Foreign Transaction Fee 3%
Returned Payment Fee up to $39

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 a foreign transaction fee.

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

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

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Up to $39
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type Store Card
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
Cash Advance APR (Variable APR) Up to 27.24%
Purchase APR (Variable APR) Up to 27.24%

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