The Macy's AMEX Card is a great choice if you're looking to earn a great return on purchases made with Macy's. Along with the return, you'll also have full access to the Macy's Star Rewards Program which grants you benefits based on how much you spend at Macy's in a calendar year. This includes free shipping, 25% off Star Passes, and various additional perks over the course of the year. If you enjoy shopping at Macy's, I highly recommend picking the card up.
|Authorized User Fee|
|Foreign Transaction Fee|
The Macy's AMEX Card features four bonus categories which are Macy's, restaurants, gas stations, and supermarkets. There's no limit to the amount of bonus points you can earn spending across these bonus categories and no limit to the amount of points you can earn with the card overall.
- 2x-5x Macy's
- Applies to spending at Macy's, Macy's Backstage, and macys.com.
- Mobile Wallets do not work properly with Star Rewards; you'll want to use the physical card to make purchases.
- Total star rewards depends on your status in the Macy's Star Rewards Program:
- Bronze: 1x (Non-Cardholders)
- Silver: 2x
- Gold: 3x
- Platinum: 5x
- 3x Restaurant
- 2x Supermarkets
- 2x Gas Station
- 1x Non-Category
Perks & Benefits
Outside of earning Star Rewards Points on purchases outside of Macy's, the main benefit of the Macy's AMEX Card is full access to the Star Rewards Program.
- Star Rewards Program Full Access
Sign Up Bonus
The standard sign up bonus for the Macy's AMEX Card will vary depending on holidays, promotions, and other happening in the world. The most common bonus is savings 20% off your first purchase with the Macy's Card, up to a total savings of $100. That means you can save on up to $500 in Macy's spend which is a pretty good deal. Just be sure that you have a large purchase lined up before you apply for the card.
The Macy's AMEX does not have an annual fee. This means you'll always earn a great return when using the card assuming you pay the statement balance in full every month. The card has a high interest rate so if you don't want your rewards to be eaten alive, exercise a $0 balance by paying your entire monthly statement.
Authorized User Fee
There is no authorized user fee for adding additional users to the Macy's AMEX Card. If you have friends or family that spend money at Macy's, adding them as authorized user can help you reach higher cardmember tiers in the Macy's Star Rewards Program as well as earn more Star Rewards Points.
Foreign Transaction Fee
The foreign transaction fee for the Macy's AMEX card is 3%. This means you'll be penalized every time you use this card for international purchases.
You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.