$0
Annual fee
See the card
Card reviewCiti
Updated Sep 11, 2026 · research
CitiMacy's Star Money
Macy's American Express® Card
Earn points towards rewards when you shop with a Macy's card
Entry LevelPersonal
American Express
$0
Annual fee
5x pts macy's purchases - platinum members
Top rate
3%
Foreign fee
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
Earning Rates
Macy's purchases - Platinum members
5xpoints
5 points per $1 spent for Platinum members with $1,200+ annual spend at Macy's
Macy's purchases for Platinum members
5xpoints
Platinum status with $1,200+ annual spend at Macy's with their Card
Macy's purchases - Gold members
3xpoints
3 points per $1 spent for Gold members with $500 - $1,199 annual spend at Macy's
Macy's purchases for Gold members
3xpoints
Gold status with $500 - $1,199 annual spend at Macy's with their Card
restaurants including delivery
3xpoints
Gas Stations
2xpoints
With Macy's American Express Card outside of Macy's
gas stations and supermarkets
2xpoints
Macy's purchases - Silver members
2xpoints
2 points per $1 spent for Silver members
Macy's purchases for Silver members
2xpoints
New credit cards are opened at Silver status
Supermarkets
2xpoints
With Macy's American Express Card outside of Macy's
everywhere else
1xpoints
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
APR Information
- Purchase APR
- 32.74%
- Balance Transfer APR
- 32.74%
- Cash Advance APR
- 32.74%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
9 benefits
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
The Macy's American Express Card can be used anywhere American Express is accepted. It earns 2 points per $1 for Silver members, 3 points per $1 for Gold members, and 5 points per $1 for Platinum members at Macy's, plus 3 points per $1 at restaurants including delivery, 2 points per $1 at gas stations and supermarkets, and 1 point per $1 everywhere else. 1,000 points = $10 in Star Money to use at Macy's.
Ready to Decide?
Apply for the Macy's American Express® Card
Current offer available with no annual fee.
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
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Rewards program
Macy's Star Money
Earns Points
Card Categories
ShoppingCo-brandedNo Annual FeeDiningGroceries
Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 5 of 9 benefits rated high confidence
- 9 source citations across benefits
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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