Macy's American Express® Card
in Personal Credit Cards from Citibank
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| Purchase APR (Variable APR) | Up to 27.24% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 700 - 850 |
| Annual Fee | N/A |
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.
Key Takeaways
- Earn 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.
Macy's American Express® Card Pros & Cons
| The Good | The Bad |
|---|---|
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Macy's American Express® Card FAQ
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.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Macy's American Express® Card?
The following fees apply to Macy's American Express® Card:
| Fees | Amount |
|---|---|
| Annual Fee | |
| 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.
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.
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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.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank
View all personal credit cards offered by Citibank
Availability
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 |
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