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  Macy's Credit Card

Macy's Credit Card

in Personal Credit Cards from American Express National Bank

Claimed

Macy's Credit Card

Claimed

in Personal Credit Cards from American Express National Bank

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Highlights
Highlights
Annual Fee N/A
Purchase APR  (Variable APR) Up to 27.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A

Macy's Credit Card Review

Macy's Credit Card is a store credit card issued by American Express National Bank. 

If you're wondering whether Macy's Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Macy's Credit Card cash back or rewards program?

No, Macy's Credit Card does not offer a rewards program.

Macy's Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the relevant APRs for Macy's Credit Card?

Macy's Credit Card has a variable purchase APR of up to 27.49%.

The card has a variable cash advance APR of up to 27.49%.

Does Macy's Credit Card have an introductory APR offer?

Macy's Credit Card does not offer an introductory rate on new purchases.
Macy's Credit Card Rates & Terms

What are the Macy's Credit Card fees?

The following fees apply to Macy's Credit Card:

Macy's Credit Card Fees
Fees Amount
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Macy's Credit Card have a foreign transaction fee?

Macy's Credit 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.

How to apply for Macy's Credit Card

  • Visit the American Express National Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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...

Feature Breakdown

Gas Up to 2%
Warehouse Clubs Purchases Up to 5%
Restaurants Up to 3%
Returned Payment Fee Up to $39
Minimum Interest Charge $2
Late Fee Amount Up to $39
Cash Advance Fee (%) Up to 4%
Cash Advance Fee Minimum $5
Foreign Currency Transaction Fee 3%
Minimum Age 18
Purchase APR (Variable APR) Up to 27.49%
Cash Advance APR (Variable APR) Up to 27.49%

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Purchase APR 17.24% - 26.24%
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Balance Transfer APR 17.24% - 26.24%
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Annual Fee $0 Annual Fee
Purchase APR 17.99% - 26.99%
(Variable APR)
    0% 36% Variable APR
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(Variable APR)
    0% 29% Variable APR
Credit Score Range 750 - 850     300 850
Hilton Honors American Express Card
Annual Fee $0 Annual Fee
Purchase APR 17.74% - 26.74%
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    0% 36% Variable APR
Balance Transfer APR 17.74% - 26.74%
(Variable APR)
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Purchase APR 17.99% - 26.99%
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Annual Fee $95 Annual Fee
Purchase APR 14.49% - 25.49%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR 14.49% - 25.49%
(Variable APR)
    0% 29% Variable APR
Credit Score Range 700 - 850     300 850
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Purchase APR 17.74% - 26.74%
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Balance Transfer APR N/A Balance Transfer APR
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Annual Fee $95 Annual Fee
Purchase APR 16.74% - 20.74%
(Variable APR)
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Balance Transfer APR 16.74% - 20.74%
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Purchase APR 15.24% - 26.24%
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    0% 36% Variable APR
Balance Transfer APR 0% - 26.24%
(Variable APR)
    0% 29% Variable APR
Credit Score Range 700 - 850     300 850