Macy's American Express Card
Best for: Regular Macy's shoppers who want some everyday rewards
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
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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
| Issuer | Macy's |
| Card network | Amex |
| Annual fee | No annual fee |
| Rewards rate | Up 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 else |
| Welcome bonus | Extra savings on your first Macy's purchase as a new cardholder |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Fair to Good (640+) |
| Airport lounge access | No |
| Best for | Regular Macy's shoppers who want some everyday rewards |
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.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Macy'sMacy's American Express Card 3731 848796 05042 VALID THRU 03/31RILEY CHEN Macy's American Express CardRegular Macy's shoppers who want some everyday rewards |
None | Up to 5% back in Star Money at Macy's (varies by loyalty tier), plus c… | None | None | Fair to Good (640+) | |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) |
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