10 Best Macy's American Express Card
The Macy's American Express Card offers a wide range of features and benefits tailored for frequent shoppers. With this card, users can earn rewards on every purchase made at Macy's and elsewhere. Whether you're shopping for clothes, home goods, or even online, the Macy's American Express Card provides various ways to maximize your savings. It's more than just a store card—it's a versatile tool that lets you earn rewards and enjoy exclusive deals wherever American Express is accepted.
The card comes with a host of benefits including bonus rewards for Macy’s purchases, access to special offers, and the ability to earn rewards points that can be redeemed for Macy’s gift cards. Cardholders also enjoy exclusive financing offers and enhanced shopping experiences. The card provides flexibility with both online and in-store purchases, making it a valuable companion for any Macy's shopper. With no annual fee and valuable rewards, it's a great choice for those looking to make the most out of their shopping experience.
1.
Macy’s American Express Card
Earn rewards for shopping at Macy's and on purchases elsewhere.
Use it anywhere American Express is accepted.
Redeem Macy's rewards points for store merchandise or discounts.
Use it anywhere American Express is accepted.
Redeem Macy's rewards points for store merchandise or discounts.
Rewards at Macy's: Strong return for those who frequently shop at Macy's.
Extra perks: Exclusive offers and early access to sales.
Flexibility: Earn rewards both at Macy's and other locations, including dining.
Extra perks: Exclusive offers and early access to sales.
Flexibility: Earn rewards both at Macy's and other locations, including dining.
Macy’s American Express CardCheck HereMacy’s American Express Card - - This is the primary card offering exclusive rewards and discounts on all Macy’s purchases. It also earns points on every purchase made outside of Macy's.
Pros
High reward rate on Macy's purchases.- Offers flexibility to use at other locations and offers more than just store benefits.
- Access to Macy's exclusive events and discounts.
Cons
Macy's-specific rewards are limited to purchases at Macy's.- Lower-than-average rewards for non-Macy's purchases compared to other cards.
- Interest rates can be high if balances are carried over.
Key Features
3% back on Macy's purchases.
2% back on dining, grocery stores, and select department stores.
1% back on other purchases.
Access to exclusive sales and Macy's rewards program.
No annual fee for the basic card.
2% back on dining, grocery stores, and select department stores.
1% back on other purchases.
Access to exclusive sales and Macy's rewards program.
No annual fee for the basic card.
Why Is Recommended
Ideal for frequent Macy's shoppers and those who want extra savings and rewards on dining and groceries. The Macy's card provides solid value without an annual fee, and American Express provides access to an excellent rewards network.
2.
Macy's American Express® Platinum Card
Higher rewards on Macy's and other purchases.
Offers more premium benefits than the standard Macy's American Express® Card.
Can be used anywhere American Express is accepted.
Offers more premium benefits than the standard Macy's American Express® Card.
Can be used anywhere American Express is accepted.
Higher rewards rate: 5% cashback on Macy's purchases, which is ideal for frequent shoppers.
Premium Macy's experiences: Access to special sales, events, and promotions that non-cardholders don't get.
Flexible rewards redemption: Rewards points can be used as store credits at Macy's.
No annual fee: Unlike many premium cards, this card doesn't have an annual fee.
Premium Macy's experiences: Access to special sales, events, and promotions that non-cardholders don't get.
Flexible rewards redemption: Rewards points can be used as store credits at Macy's.
No annual fee: Unlike many premium cards, this card doesn't have an annual fee.
- Macy's American Express® Platinum CardCheck Here
Macy's American Express® Platinum Card - - Features premium rewards and additional benefits like free shipping and access to exclusive sales events.
Pros
- 5% rewards at Macy's, which is ideal for frequent Macy's shoppers.
- Premium benefits such as exclusive offers and early access to sales.
- No annual fee.
- Flexible point redemption options.
Cons
- Low rewards rate (1%) on non-Macy's purchases.
- High APR if balances are carried over.
- Benefits are heavily skewed toward Macy's shoppers.
Key Features
5% Macy's Rewards on Macy's purchases.
1% Macy's Rewards on all other purchases.
$25 Macy's Reward for every 250 points earned.
Exclusive access to Macy's events, promotions, and special sales.
No annual fee for the card.
1% Macy's Rewards on all other purchases.
$25 Macy's Reward for every 250 points earned.
Exclusive access to Macy's events, promotions, and special sales.
No annual fee for the card.
Why Is Recommended
Ideal for frequent Macy's shoppers who want to earn more rewards and enjoy exclusive perks. The 5% rewards rate on Macy's purchases and premium experiences make this a great choice for Macy's loyalists.
3.
Macy's American Express® Gold Card
Earn rewards on Macy's purchases and enjoy added perks for loyal shoppers.
Can be used anywhere American Express is accepted.
Can be used anywhere American Express is accepted.
4% cashback at Macy's: Earn slightly less than the Platinum version, but still a strong rewards rate for Macy's shoppers.
Exclusive discounts: Special promotions and access to sales events.
No annual fee: Easy to maintain without incurring additional costs.
Rewards program: Flexible redemption of Macy's Rewards.
Exclusive discounts: Special promotions and access to sales events.
No annual fee: Easy to maintain without incurring additional costs.
Rewards program: Flexible redemption of Macy's Rewards.
- Macy's American Express® Gold CardCheck Here
Macy's American Express® Gold Card - - Offers enhanced rewards on select categories, making it ideal for regular Macy's shoppers who also frequent other retailers.
Pros
- 4% rewards on Macy's purchases.
- Great for Macy's fans who want a mid-tier card with good rewards.
- No annual fee.
- Access to exclusive Macy's discounts and events.
Cons
- Limited rewards on non-Macy's purchases (only 1%).
- High APR if you carry a balance.
- Benefits are more tailored for Macy's shoppers.
Key Features
4% Macy's Rewards on Macy's purchases.
1% Macy's Rewards on all other purchases.
$20 Macy's Reward for every 200 points earned.
Exclusive cardholder discounts and early access to sales.
No annual fee for the card.
1% Macy's Rewards on all other purchases.
$20 Macy's Reward for every 200 points earned.
Exclusive cardholder discounts and early access to sales.
No annual fee for the card.
Why Is Recommended
Great for those who want a bit more than the standard Macy's American Express® Card but don't want to commit to the Platinum version. It offers solid rewards for Macy's shopping and useful perks like exclusive discounts, with no annual fee.
4.
Macy’s American Express Blue Card
- Macy’s American Express Blue CardCheck Here
Macy’s American Express Blue Card - - A simpler, no-annual-fee option for those who want to earn points on their Macy’s purchases without extra costs.
5.
Macy’s American Express Student Card
- Macy’s American Express Student CardCheck Here
Macy’s American Express Student Card - - Designed for younger shoppers or students, offering easy ways to build credit while earning Macy's rewards.
6.
Macy’s American Express World Card
- Macy’s American Express World CardCheck Here
Macy’s American Express World Card - - A top-tier card that provides additional perks such as travel benefits and higher points accumulation for every purchase.
7.
Macy’s American Express Classic Card
- Macy’s American Express Classic CardCheck Here
Macy’s American Express Classic Card - - A standard card offering the essential rewards and benefits for Macy's shoppers looking for a straightforward experience.
8.
Macy’s American Express Business Card
- Macy’s American Express Business CardCheck Here
Macy’s American Express Business Card - - Tailored for business owners, this card provides rewards on purchases made for business-related expenses, including office supplies and employee purchases.
9.
Macy’s American Express Cash Back Card
- Macy’s American Express Cash Back CardCheck Here
Macy’s American Express Cash Back Card - - Focuses on providing cash-back rewards on every purchase made at Macy’s and other participating retailers.
10.
Macy's American Express® Silver Card
Earn rewards at Macy's and get access to store discounts and sales.
Can be used as an American Express card at merchants that accept American Express.
Can be used as an American Express card at merchants that accept American Express.
Earn Macy's Rewards: 1.5% on Macy's purchases isn't as high as the Gold or Platinum versions, but still offers some cashback.
Exclusive Macy's deals: Access to Macy's discounts, promotions, and early sales.
No annual fee: No added cost to maintain the card.
Easy rewards redemption: Macy's Rewards can be used for store credits.
Exclusive Macy's deals: Access to Macy's discounts, promotions, and early sales.
No annual fee: No added cost to maintain the card.
Easy rewards redemption: Macy's Rewards can be used for store credits.
- Macy's American Express® Silver CardCheck Here
Macy's American Express® Silver Card - - An entry-level card with a focus on building credit while providing users with exclusive Macy's discounts and rewards.
Pros
- 1.5% rewards on Macy's purchases.
- No annual fee.
- Discounts and exclusive offers for Macy's cardholders.
Cons
- Very low rewards rate compared to other Macy's American Express® cards (1% on other purchases).
- Limited to Macy's for maximum rewards.
- High APR for balances carried.
Key Features
1.5% Macy’s Rewards on Macy’s purchases.
1% Macy’s Rewards on all other purchases.
$10 Macy’s Reward for every 1000 points earned.
No annual fee.
1% Macy’s Rewards on all other purchases.
$10 Macy’s Reward for every 1000 points earned.
No annual fee.
Why Is Recommended
Recommended for casual Macy's shoppers who don't want to pay an annual fee but still want access to store-specific discounts and rewards. It's a simple option for those who don't need the extra perks that come with the Gold or Platinum cards.
Conclusion
The Macy's American Express Card is an excellent option for those who enjoy shopping at Macy's and want to earn rewards on their purchases. With various card options catering to different needs, you can select one that best fits your shopping habits. Whether you prefer cash-back, travel rewards, or exclusive discounts, the right Macy’s American Express Card will help you maximize your savings and enhance your shopping experience. Always compare the benefits and choose the one that aligns with your lifestyle and financial goals.