Macy’s American Express Credit Card Review

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The Macy’s American Express Credit Card makes it easy for cardholders to score deep Macy’s discounts and earn rewards on all their spending. This card also comes with no annual fee, making it a good fit for dedicated Macy’s shoppers.

Macy's American Express® Card

overall rating
3.5
Macy's American Express® Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 27.24% variable
Annual Fee No Annual Fee
Rewards Earning Rate Up-to 5% back at Macy's, 3% back at restaurants, 2% at gas stations and supermarkets, and 1% everywhere else
Ratings Breakdown
for Interest
1.7
for Rewards
1.9
for Credit
4.0

Who is This Credit Card Best For?

  • Avatar for Trendsetter Persona
    Loves being the first to try something new
    Trendsetter
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty
    Brand Loyalist
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household
    Family Shopper
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker

If you spend a lot at restaurants, grocery stores, and gas stations each year, you may be able to earn a significant amount of rewards with this card. However, it’s important to understand you’ll only be able to redeem your rewards for Macy’s “Star Money,” which is only good for Macy’s merchandise. If you’re a frequent Macy’s shopper, on the other hand, you may love what this card has to offer.

Also note that because this is an American Express credit card, you’ll need good or excellent credit to qualify.

Pros

  • High rewards earning rate on some purchases

  • Access to special Macy’s discounts and sales

  • Automatic “Silver” status with Macy’s Star Rewards

Cons

  • Limited redemption options

  • No welcome bonus

Pros Explained

  • High rewards earning rate on some purchases: This card gives you 3% back at restaurants plus 2% back at gas stations and supermarkets. These rewards rates are generous when you compare to other rewards credit cards with no annual fee.
  • Access to special Macy’s discounts and sales: You’ll get 20% off your Macy’s purchases (up to a total savings of $100) on the day you apply for the card and again on the following day. You’ll also qualify for special members-only sales and perks. 
  • Automatic “Silver” status with Macy’s Star Rewards: Carrying the Macy’s American Express Credit Card gives you automatic Silver status with the Macy’s Star Rewards program. This status gives you access to special sales including 25% off “Star Passes” you can use any day you want. 

Cons Explained

  • Limited redemption options: Rewards earned with this card can only be redeemed for “Star Money,” which can only be used for merchandise from Macy’s stores, and only for a limited amount of time.
  • No welcome bonus: The Macy’s American Express Credit Card doesn’t offer a welcome bonus—you only get the discount on Macy’s purchases made within the first two days. By comparison, some rewards credit cards offer bonuses worth $150 or more when you meet a minimum spending requirement.

Earning Points & Rewards

The Macy’s American Express Credit Card gives you 3% back at restaurants, 2% back at gas stations and grocery stores, and 1% back on all other purchases including anything you buy at Macy’s stores. However, these rewards are issued as “points” in the Macy’s Star Rewards program. 

Note that you can buy your way up to Macy’s Star Rewards Platinum status by spending at least $1,200 at Macy’s on your credit card each year. This milestone qualifies you to earn 5% back on all purchases you make at the retailer, which will also be awarded as points within the Star Rewards program. 

Redeeming Rewards

One disappointing detail about this card is the fact that the rewards you earn are only good for Macy’s purchases. In fact, once you earn 1,000 points in the Star Rewards program, you’ll automatically receive $10 in Star Money that you can only spend in Macy’s stores.

Warning

The rewards certificates you earn are only good for 30 days after issuance. This is a major downside, as you may not even have time to shop at Macy’s every 30 days. If you want rewards that last longer than 30 days, you should consider another rewards credit card. 

How to Get the Most Out of This Card

If you’re determined to rack up rewards good for purchases at Macy’s stores, use this card specifically for all your dining, gas station, and supermarket purchases. Also weigh the pros and cons of spending at least $1,200 on Macy’s purchases each year so you can score Platinum status and earn 5% back in rewards when you shop at the retailer. 

Also consider pairing this card with another credit card that lets you earn more than 1% back on regular purchases and redeem those points for a broader selection of rewards.

Macy’s American Express Credit Card’s Other Features

The card also offers a handful of American Express cardholder perks:

  • Sports, music, and event ticket presales
  • Up to 10% off Delta Air Lines flights
  • American Express Luxury Hotels privileges
  • Access to Amex Offers savings program

Customer Experience

American Express earns high marks for its customer service prowess. J.D. Power gave the company the No. 2 rank in its 2019 U.S. Credit Card Satisfaction Study. American Express earned 838 out of 1,000 possible points in this survey, whereas the industry average was just 806. This is not surprising considering American Express is known for its 24/7 phone customer service and helpful online chat feature. Cardholders can also check their FICO Score 8 through their account page online or via the app.

American Express also received the second spot in J.D. Power’s 2019 U.S. Credit Card Mobile App Satisfaction Study, where the card issuer earned 889 out of 1,000 possible points. This puts the American Express app ahead of all mobile apps issued by major credit card issuers except for Discover, which squeaked into the top spot with 890 points. 

Security Features

American Express offers standard security features for its credit cards, such as online fraud monitoring, personalized email communications, and account alerts. Amex also offers a free credit monitoring service called MyCredit Guide, which is available to anyone, even non-cardholders.

Macy’s American Express Credit Card Fees to Watch Out For

If you want a credit card to use outside the United States, be aware this card charges a 3% foreign transaction fee. Also note that pricey interest rate you’ll pay if you don’t pay your credit card bill in full each month.

For Macy's American Express® Card

Compare This Card

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CURRENT CARD
Macy's American Express® Card
overall rating
3.5
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 27.24% variable
Annual Fee No Annual Fee
Rewards Earning Rate Up-to 5% back at Macy's, 3% back at restaurants, 2% at gas stations and supermarkets, and 1% everywhere else
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Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.