Macy's American Express Card

This Citi-issued Macy's Amex makes sense mainly for Macy's loyalists: it earns up to 5% back in Star Money in-store (varying by loyalty tier) plus modest cash back on gas, dining and supermarkets, and it accepts fair-to-good credit (640-plus), so it's reachable for thinner files. The Amex version at least earns something outside Macy's, unlike the store-only card, but the high store APR means carrying a balance erases the rewards quickly. If you don't shop Macy's often, almost any general cash-back card beats it. Use it for the loyalty events and birthday perk, pay in full; confirm current terms on Macy's site.

Macy's American Express Card at a glance

Rewards & perks

• Star Rewards points and loyalty tiers at Macy's
• Cash back away from Macy's on the Amex version
• Cardholder savings events plus a birthday surprise

Pros

• Carries no yearly fee
• Rewards both inside Macy's and everywhere else
• Loyalty perks at Macy's

Cons

• A high store APR
• Top value applies only to Macy's loyalists
• The store-only version works at Macy's alone

Who should apply

• A credit score in the fair-to-good range
• A Macy's account
• Enough income to back the credit line

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Macy's site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.