How to apply to Macy’s American Express Credit Card

Earn rewards and save big at Macy’s with this card made for department store devotees

The Macy’s American Express Card from Citi offers frequent Macy’s shoppers an easy way to unlock substantial rewards and discounts. With generous earning rates both in and out of Macy’s, no annual fee, and a major new cardholder perk, it’s a prime option for lovers of the retail giant.

Benefits of Macy’s American Express® Card

Anyone shopping at Macy’s would love to experience a few amazing discounts. If you are one of them. You can consider getting this credit card. It offers multiple benefits, including:

• Earn 3% back at restaurants, 2% at gas stations and supermarkets, and 1% everywhere else
• 20% off your Macy’s purchases on the day your new card is approved plus the next day, up to $100 total (instant savings!)
• Automatic upgrade to Silver level in the Macy’s Star Rewards program
• Chance to unlock 5% back in rewards at Macy’s with high annual spending
• No Foreign Transaction Fees
• Access to American Express Experiences

Prerequisites

To qualify for the Macy’s American Express Card, applicants should have good to excellent credit (scores above 670). Prior experience with credit cards can help improve the chances of approval. Specifically, having an existing credit card for at least a year with on-time payments shows lenders that you can responsibly manage credit.

Besides a high credit score, also make sure your credit report is free of negative marks like late payments, collections, or bankruptcies which could lead to denial. Steady income sources are also considered when applying. Full or part-time employment can help demonstrate your ability to make payments, though other verifiable income streams like retirement benefits also count. Meeting these prerequisites signals to the underwriting process that you can handle the account – increasing the odds your application gets a thumbs up.

Who is this card for?

With generous rewards specifically at Macy’s department stores, the Macy’s American Express Card is an excellent option for regular Macy’s shoppers who spend several hundred dollars or more per year at the retail giant. Frequent shoppers who routinely browse and buy items at Macy’s for apparel, home goods, furniture, makeup, kitchenware, and more can maximize their savings with this card.

Beyond Macy’s bonus rewards, the card also fits well for those consumers who prefer straightforward 1% cash back-style earning rates on everyday purchases like dining, groceries, and gas. Having good credit of 670+ FICO is needed for the best approval odds. So, if you love shopping trips to Macy’s and want to be rewarded for your loyalty, the Macy’s AmEx Card could be a great fit resting in your wallet.

Step By Step to Apply

Applying for the card only takes a few minutes. Follow these steps:

1. Click “Apply Now” on the Macy’s Credit Card page
2. Provide basic personal information like name, address, date of birth, Social Security Number
3. Review terms and conditions and submit application
4. Receive instant decision on approval
5. If approved, can use new card and perks right away

TAP HERE FOR ACCESS THE MACY'S AMERICAN EXPRESS CREDIT CARD

Positives and Negatives

The Macy’s American Express Card certainly has alluring benefits, especially for Macy’s devotees. One major highlight is the upfront 20% discount on all Macy’s purchases on the day of approval and the next day, up to $100 total savings. This instant discount can lead to huge value for those planning a major upcoming Macy’s haul. Ongoing strong rewards earning rates across common spending categories are also a notable perk. Cardholders earn 3% back at restaurants, 2% back at gas stations and supermarkets, and 1% back everywhere else.

However, there are some drawbacks to consider as well. For one, rewards earned can only be redeemed as store credit at Macy’s – reducing flexibility compared to general cash back cards. It also takes significant spending of $1,200 or more per calendar year to unlock the highest Macy’s rewards redemption rate of 5% back in rewards. And while there’s no annual fee, interest rates are quite high at a variable 27.49% APR, making this card risky for those who tend to carry monthly balances. Weighing the pros and cons based on your spending habits is advised.

How to Activate the Card

Activating your new Macy’s American Express Card is simple. Follow these steps:

1. Call the number on the sticker on your card or the number on the letter that accompanied your card in the mail
2. You’ll need to provide personal details like Social Security Number, date of birth, home address etc. to confirm identity
3. Choose a PIN number for card purchases and ATM access
4. The card is now activated and ready for use in stores or online!

You can also activate online via the account dashboard if you prefer. Log in at macys.accountonline.com.

Fees & Rates

• No annual fee
• 27.49% variable APR on purchases and balances
• 3% foreign transaction fee
• $2 minimum interest charge
• Cash advance fee of $5 or 4% of advance amount

Be sure to pay your balance on time each month to avoid costly interest charges.

About Citi

The Macy’s American Express Card is issued by Citi, one of the largest banks globally. Citi has a 200+ year history dating back to 1812. Today, Citi provides retail banking, credit cards, investment services, mortgage lending, and more to customers in 160+ countries.

Known for innovation, Citi introduced early digital banking capabilities like opening accounts online. Combined with mobile app banking, customers enjoy digital convenience with the stability of an established bank.

With the global scale, digital services, and longevity of Citi, Macy’s American Express Cardholders can feel secure making the card their go-to for Macy’s savings.

Download the Citi Mobile app (iOS, Android) to manage your account anytime.

TAP HERE TO DOWNLOAD THE CITI MOBILE APP ON IOS

TAP HERE TO DOWNLOAD THE CITI MOBILE ON ANDROID

Customer Service

• Call: 1-800-374-4934
• Mobile App: Citi Mobile (App Store, Google Play)
• Mail: PO Box 6167 Sioux Falls, SD 57117

Contact Citi 24/7 for questions about your account, managing your card benefits, paying your bill, and more. Customer service can also help with lost/stolen card reporting.

Discover other credit cards in our website, like the Wells Fargo Active Cash Visa Credit Card!