Macy's American Express
By Alex Compton · Last verified
The network upgrade to the Macy's store card, with real dining and gas categories.
Welcome Bonus
10,000
≈$100 value
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: 30% off macys.com purchases on the day you open the card (in-store discount varies), save up to $100
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 10,000 | No recorded spend | Terms reconfirmed30% off macys.com purchases on the day you open the card (in-store discount varies), save up to $100 | Citi Macy's Credit Cards product page → |
| 2026-06 | 10,000 | No recorded spend | Terms reconfirmed20% off first two days, up to $100 | Archive record · no attached snapshot |
| 2024-01 | 10,000 | No recorded spend | Earliest record20% off first two days, up to $100 | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Approval offer is now 30% off macys.com purchases on opening day, save up to $100; earn rates and fees unchanged.
Fields: currentOffer, ourTake
Citi Macy's Credit Cards product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xMacy's purchases at Platinum status2x Silver, 3x Gold, 5x Platinum
- 3xRestaurants
- 2xU.S. gas stations and U.S. supermarkets
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Star Money issues automatically: 1,000 points becomes $10
- ✦Counts toward Macy's Star Rewards status tiers
- ✦Usable anywhere Amex is accepted, unlike the store-only Macy's Credit Card sibling
Why it earns its spot
- +Up to 5x at Macy's for Platinum tier spenders
- +3% dining and 2% grocery and gas are respectable
- +No annual fee
Where it costs you
- −Macy's earn rate depends on hitting status tiers
- −Star Money only spends at Macy's
- −Issued by Citi retail services, so service is store-card grade
The Compound Verdict
If you are a Macy's Platinum tier regular, 5x at the store plus 3% dining is genuinely decent. Everyone else gets a mediocre card whose rewards are trapped in Star Money. Get it for the 30% approval-day discount on a big macys.com haul, then decide if it earns a slot.
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