Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
Macy's American Express® Card Review
Key Takeaways
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Macy's American Express card
| The Good | The Bad |
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Macy's American Express card FAQ
Does Macy's American Express card have a cash back or rewards program?
| Description |
- 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 28.99%. Macy's American Express® Card does not offer balance transfers. The card has a variable cash advance APR of up to 28.99%.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. Macy's American Express® Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Macy's American Express card have a foreign transaction fee?
Macy's American Express card charges a foreign transaction fee of up to 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?
What is the support contact email for Macy's American Express card?
How do people rate the customer service and user experience of Macy's American Express card?
Does Macy's American Express® Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Citi® perform a hard credit pull?
How to apply for Macy's American Express card
- Visit the website of Macy's American Express card.
- 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.
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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.
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Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
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SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-67
Macy's American Express® Card Community Reviews
Would you recommend Macy's American Express® Card to your friends?
Christine B.
Dec 28, 2022
May or may not recommend
Mayling M.
Sep 12, 2022
May or may not recommend
Nancy Z.
Feb 7, 2022
May or may not recommend
Showing 3 of 3 reviews
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