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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
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 |
|---|---|---|---|---|
| 2026-06 | 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xMacy's purchases at Platinum status2x Silver, 3x Gold, 5x Platinum
- 3xRestaurants
- 2xU.S. gas stations and U.S. supermarkets
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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 20% approval discount on a big haul, then decide if it earns a slot.
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