$0
Annual fee
See the card
Card reviewCiti
Updated Sep 8, 2026 · researchMC
Citi
Macy's Credit Card
Earn points towards rewards when you shop with a Macy's card with no annual fee.
Personal
American Express
$0
Annual fee
5x pts macy's purchases - platinum members
Top rate
3%
Foreign fee
N/A
Rating
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
Macy's purchases - Gold members
3xpoints
3 points per $1 spent for Gold members
restaurants including delivery
3xpoints
gas stations and supermarkets
2xpoints
Macy's purchases - Silver members
2xpoints
2 points per $1 spent for Silver members
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
2 benefits
Statement Credits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
Macy's Credit Card with no annual fee earns 2 points per $1 for Silver members, 3 points per $1 for Gold members and 5 points per $1 for Platinum members on Macy's purchases. The Macy's American Express Card can be used anywhere American Express is accepted and also earns 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 equals $10 in Star Money.
Ready to Decide?
Apply for the Macy's Credit 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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Sources & Methodology
Data Collection
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Analyzed by the Rewardopedia Engine.
Data Quality
- 2 of 2 benefits rated high confidence
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