What is the Macy’s American Express® Card?
The Macy’s American Express® Card includes all the benefits of a Macy’s Credit Card, plus the ability to use the card at millions of locations worldwide wherever American Express® is accepted.
Macy’s American Express® Card FAQs
Applying, Upgrading & Eligibility
Upgrades from a Macy’s Credit Card to a Macy’s American Express® Card are currently available by invitation only. If you're eligible, you'll receive a direct offer to upgrade.
Yes. If you already have a Macy’s Credit Card, you may separately apply for a Macy’s American Express® Card. This is considered a new line of credit and not an account upgrade.
Yes. You may have both cards at the same time, and each account is managed separately.
No. There is no fee to upgrade and no annual fee for the Macy’s American Express® Card.
Managing Your Account
Yes. You can continue managing your account on macys.com using your existing login. You can:
- View balances
- Make payments
- Set up account alerts
- Enroll in Autopay
If you have multiple Macy’s credit card accounts, each account may be enrolled in Autopay separately.
Yes. Each account has its own:
- Billing statement
- Minimum payment
- Payment due date
If You're Upgrading Your Card
Yes. You may continue using your Macy’s Credit Card until your new Macy’s American Express® Card arrives.
Once you receive your new card:
- Your old card will no longer be valid
- You should securely destroy the old card
Your current balance transfers to your new Macy’s American Express® Card account, and you'll receive a new account number.
Any promotional financing terms and expiration dates remain unchanged after the upgrade.
Your Macy’s Credit Card is replaced on your credit report by your Macy’s American Express® Card.
- Your number of open accounts does not change
- Your original account open date remains the same
- Your account history is retained
We cannot guarantee how the change may affect your credit score.
Star Rewards Benefits
Your Star Rewards status and any points earned with your Macy’s Credit Card transfer to your Macy’s American Express® Card.
Add each of your Macy’s credit card account numbers to your macys.com profile to ensure eligible offers are automatically added to your Wallet.
Yes. Eligible purchases earn:
- 3 points per dollar at restaurants
- 2 points per dollar at gas stations and supermarkets
- 1 point per dollar on other eligible purchases
International Transactions
Yes. A 3% International Transaction Fee applies to purchases, cash advances, and foreign currency transactions made outside the United States (excluding Puerto Rico and Guam).
No International Transaction Fee is charged when the transaction receipt indicates the purchase was conducted solely in U.S. dollars (USD).