Macy’s American Express® Card

About the Macy’s American Express® Card

The Macy’s American Express® Card is a co-branded credit card developed through a partnership between Macy’s and American Express, and issued by Citibank. It is designed for consumers who frequently shop at Macy’s and want to earn exclusive discounts and rewards, while also benefiting from cashback opportunities on everyday purchases.

New cardholders receive 20% off Macy’s purchases on the day of approval and the following day, up to a maximum savings of $100. This instant discount applies storewide and can be used on clothing, beauty, home goods, and furniture, making the card particularly beneficial for those planning large purchases at Macy’s.

The card offers ongoing rewards in the form of “Star Money”, which can be redeemed on most items at Macy’s. Reward rates include 3% back at restaurants, 2% at gas stations and supermarkets, and 1% on other purchases. Cardholders who spend $1,200 or more annually at Macy’s are upgraded to Platinum status, unlocking 5% back in rewards on Macy’s purchases.

Digital security, mobile access and user experience

The Macy’s American Express® Card, issued by Citibank, is fully integrated with modern digital banking features to ensure cardholders have secure, convenient, and real-time access to their account. Through the Citi Mobile® App and Citibank’s online platform, users can monitor transactions, redeem rewards, make payments, and track spending activity from any device.

Citibank employs multi-layered security protocols, including encryption, multi-factor authentication, and real-time fraud detection systems, to help safeguard personal and financial data. In the event of suspicious activity, instant alerts notify the cardholder, allowing for swift action to block unauthorized use.

The mobile app allows users to lock or unlock their card, enroll in autopay, and view reward balances in real time. It also supports digital wallets such as Apple Pay®, Google Pay™, and Samsung Pay®, enabling contactless transactions in-store and online.

These digital tools contribute to a streamlined and secure credit experience, empowering Macy’s cardholders to manage their account efficiently while maintaining full visibility and control. By combining reward benefits with industry-leading mobile banking technology, the Macy’s American Express® Card delivers a comprehensive and user-friendly financial solution for everyday spending.

About Citibank

The Macy’s American Express® Card is issued by Citibank, a global financial institution with over 200 years of history, originating from the founding of City Bank of New York in 1812. Today, Citi serves more than 200 million customer accounts in over 160 countries, with services that span retail banking, credit cards, investments, and mortgage lending.

With over $2.3 trillion in assets under management, Citibank is known not only for its global reach but also for its technological leadership. Citi was among the first banks to offer fully digital account openings, real-time fraud alerts, and personal financial insight tools, positioning itself as a pioneer in digital banking.

This extensive digital infrastructure supports the Macy’s American Express® Card, ensuring that cardholders benefit from secure transactions, easy account access, and real-time spending management.

Why choose the Macy’s American Express® Card?

The Macy’s American Express® Card is well-suited for customers seeking enhanced savings at Macy’s and solid reward rates on day-to-day expenses. Core benefits include:

• 20% off Macy’s purchases on approval day and the next (up to $100)
• 3% back at restaurants, 2% back at gas and supermarkets, 1% back elsewhere
• 5% back on Macy’s purchases at Platinum status
• No annual fee
• Star Money redemption for broad Macy’s product categories

In addition to year-round benefits, cardholders gain exclusive access to Macy’s sale events, where the extra 20% savings and layered rewards provide significant value. Whether purchasing fashion, kitchenware, furniture, or cosmetics, this card helps maximize discounts not available to non-cardholders.

With no annual fee, robust reward potential, and the support of Citibank’s digital tools and security, the Macy’s American Express® Card delivers both practicality and value for loyal Macy’s shoppers.