The Macy’s American Express® Card is an excellent choice for shoppers who frequent Macy’s and want to earn valuable rewards on their purchases, both at Macy’s and other places that accept American Express.
With this card, you can earn 3% back in rewards on purchases made at Macy’s, 2% on restaurants and gas, and 1% on all other purchases.
The rewards can be redeemed for Macy’s gift certificates, which can be used for future purchases at Macy’s, making it a smart way to save on fashion, home goods, beauty products, and more.
In addition to great rewards, the card offers exclusive Macy’s benefits, special financing options, and no annual fee, which make it a versatile option for those who want to maximize their savings while shopping.
About Macy’s
Macy’s is one of the most iconic department store chains in the United States, with a rich history dating back to 1858.
Known for its wide range of products, including clothing, accessories, home goods, beauty products, and jewelry, Macy’s has become a household name.
With locations nationwide and an easy-to-use online store, Macy’s is a go-to retailer for consumers seeking quality merchandise at affordable prices.
Through its partnership with American Express, Macy’s offers an even more rewarding shopping experience with the Macy’s American Express Card.
Who Is This Card For?
The Macy’s American Express Card is perfect for:
- Frequent Macy’s Shoppers: If you love shopping at Macy’s for fashion, beauty products, and home goods, this card helps you earn rewards on every purchase.
- Rewards Seekers: Those who want to earn cash back on everyday purchases such as gas, groceries, and dining while also benefiting from the rewards program at Macy’s.
- Consumers Who Want Flexible Payment Options: The card offers special financing options for big-ticket items, making it easier to manage large purchases without worrying about interest charges.
- Fashion and Beauty Enthusiasts: With access to Macy’s wide selection of clothing and beauty products, this card is ideal for those who love to shop for the latest trends.
Advantages of the Macy’s American Express Card
The Macy’s American Express® Card offers a variety of benefits, including:
- Earn 3% Back at Macy’s: Enjoy 3% back in rewards on every purchase you make at Macy’s, helping you save on your next clothing, beauty, or home goods purchase.
- 2% Back on Dining and Gas: Earn 2% back on dining and gas purchases, which can add up quickly, especially if you dine out or drive frequently.
- 1% Back on All Other Purchases: Get 1% back on all other purchases, allowing you to earn rewards on everyday spending.
- Exclusive Financing Offers: Take advantage of special financing offers on purchases over $299, allowing you to spread payments over time without incurring interest charges if paid in full within a specified period.
- No Annual Fee: The Macy’s American Express® Card comes with no annual fee, making it an affordable way to earn rewards and enjoy the benefits of a store-branded card.
- Macy’s Rewards: Points are redeemed as Macy’s Reward Certificates, which can be used towards future purchases. The more you spend, the more you earn in rewards.
- Special Access to Sales and Promotions: Cardholders may receive early access to sales, exclusive promotions, and discounts, helping you get the best deals.
How to Maximize the Macy’s American Express Card
To get the most out of the Macy’s American Express Card, consider these tips:
- Make Macy’s Purchases: Use the card for all your Macy’s purchases to earn 3% rewards on every transaction.
- Dining and Gas: Take advantage of the 2% back on dining and gas by using the card for everyday expenses like meals out and filling up your gas tank.
- Redeem Rewards: Use your earned rewards as Macy’s gift certificates to reduce the cost of your next shopping spree or treat yourself to something special.
- Take Advantage of Financing Offers: When making large purchases, consider using the special financing options to break up payments and avoid interest charges.
- Look for Exclusive Offers: Watch for exclusive Macy’s promotions, discounts, and early access to sales available only to cardholders.
Why Choose the Macy’s American Express Card?
The Macy’s American Express® Card is a fantastic option for loyal Macy’s shoppers and those who want to earn rewards on everyday purchases.
With 3% back at Macy’s, 2% back on dining and gas, and 1% back on all other purchases, this card rewards you for spending while offering flexible financing options and no annual fee.
Plus, as a cardholder, you gain access to exclusive sales, events, and birthday surprises.
If you frequently shop at Macy’s, the Macy’s American Express Card can help you save even more on your favorite products, while also giving you rewards for your non-Macy’s spending.
Fees and charges
Late Payment: Up to $41;
Returned payment: Up to $41;
● APR: 33.49%;
● Cash Advance: Either $5 or 4% of the amount of each cash advance.
Expert review
The Macy's American Express Card is an appealing option for frequent Macy's shoppers, offering attractive rewards and exclusive benefits.
Cardholders can earn points in the Star Rewards program, receiving up to 5% back on Macy’s purchases, along with cashback on dining, gas stations, and supermarkets.
The global acceptance of the American Express network adds to its versatility.
However, the card comes with high interest rates, and its rewards program is most beneficial for those who frequently shop at Macy’s.
Additionally, the benefits vary depending on the cardholder’s status within the Star Rewards program.
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+Positive points
- Generous Rewards: Earn up to 5% back in Star Rewards points on Macy’s purchases.
- Extra Cashback: Get cashback on dining, gas stations, and supermarkets, adding more value.
- Exclusive Discounts: Access special promotions, early sales, and exclusive Macy’s events.
- American Express Benefits: Enjoy travel and purchase protections, plus global acceptance.
- No Annual Fee: Save money while enjoying the perks of the card.
- Negative points
- High Interest Rates: The APR is above average, making it expensive if you carry a balance.
- Limited Best Value: The highest rewards are only for Macy’s purchases, reducing versatility.
- Tiered Benefits: Perks depend on the cardholder’s Star Rewards status, limiting initial advantages.
