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Pick up to 4 cards and compare fees, rewards and lounge access in one view.

Card
American Express Platinum Card ✕ remove
Macy's American Express Card ✕ remove
Discover it Secured Credit Card ✕ remove
Old Navy Credit Card ✕ remove
Annual fee €720No annual feeNo annual feeNo annual fee
Rewards rate 1 Membership Rewards point per euro spentUp to 5% back in Star Money at Macy's (varies by loyalty tier), plus cash back on gas, dining/restaurants and supermarkets and 1% everywhere else2% at gas stations and restaurants (on up to $1,000 in combined purchases each quarter), 1% on all other purchases5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Visa version earns 1 point per $1 elsewhere
Rewards highlight Premium travel credits and luxury benefitsUp to 5% back at Macy'sRewards on a secured card5 pts/$1 at Gap brands
Welcome bonus Up to tens of thousands of Membership Rewards points after spendExtra savings on your first Macy's purchase as a new cardholderCashback Match doubles all cash back earned at the end of the first yearDiscount on your first purchase as a new cardholder
Intro APR Not applicable (charge card, paid in full)NoneNoneNone
Regular APR Not applicable (charge card)See terms28.24% variableSee terms
Foreign fee 2% on foreign currency purchasesNoneNoneNone
Lounge access ✅ Global lounge access via Priority Pass, Centurion and partner lounges❌ No❌ No❌ No
Credit needed Excellent SCHUFA, high regular incomeFair to Good (640+)New / rebuilding creditFair to Good (640+)
Best for Frequent travelers who'll use the full credit and lounge lineupRegular Macy's shoppers who want some everyday rewardsBuilding or rebuilding credit while still earning rewardsFrequent Old Navy and Gap-family shoppers
Network AmexAmexDiscoverVisa
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