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Last Updated: 07/28/2025

Macy's American Express® Card

from Citi®

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Macy's American Express® Card logo
Rating not yet determined3 total votes
1 users are unsure
2 users don't recommend

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Highlights icon

Highlights

Purchase APR (Variable APR)

Up to 28.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

650 - 850

Annual Fee

N/A

Speech bubbles icon

Macy's American Express® Card Review

This is a store card issued by Citi®. If you're wondering whether Macy's American Express® Card is the right card for you, read on.

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

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.
  • 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?

N/A.

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?

The customer service number for Macy's American Express card 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 customer.help@citi.com.

How do people rate the customer service and user experience of Macy's American Express card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Macy's American Express® Card reports to the following credit bureaus:
  • 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 build your credit.

Does Citi® perform a hard credit pull?

Yes, Macy's American Express card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

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.
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...

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.

Macy's American Express® Card logo

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.

Contact

Headquarters

388 Greenwich Street
New York, NY 10013
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-67

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Macy's American Express® Card Community Reviews

Would you recommend Macy's American Express® Card to your friends?

CB

Christine B.

Dec 28, 2022

May or may not recommend

I applied on 11/4/2022. It is now 12/28/2022 and I have yet to receive my card. The customer service is horrible. They are either extremely incompetent or the system they are using to track the processing of cards is inadequate or both. I have been given numerous excuses as to why I do not yet have my card as well as conflicting stories about when the card was mailed. This ...Show More

Mayling M. avatar image

Mayling M.

Sep 12, 2022

May or may not recommend

This was one of my first credit cards. It can be dangerous as a young adult to have this connected to your online shopping; however, for me it has been very helpful at times to have it linked to my profile. The card is not useful for anything else, there are no rewards, no points, no bonuses. Not worth the credit score hit.

NZ

Nancy Z.

Feb 7, 2022

May or may not recommend

Horrible. If there's a problem the virtual help is useless for the live chat you have to wait too long. People you ask for help are in their homes because you can hear kids in the back. Can't understand them. Second lady I couldn't hear. At all. First lady was ready to place order without answering my ...Show More

Showing 3 of 3 reviews

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