Is macys american express the same as american express

With the Macy's American Express® Card, you'll receive the same great benefits you get with a Macy's Credit Card, plus it can be used at millions of places worldwide where American Express® Cards are welcome.


Upgrades from the Macy's Credit Card to the Macy's American Express® Card are currently offered on a targeted basis.


There's no fee to upgrade
When you upgrade from a Macy's Credit Card to a Macy's American Express® Card, there is no fee.


Temporarily use your Macy's Credit Card until your new Card arrives
If you accept an upgrade offer, you may continue to use your Macy's Credit Card until your new Macy's American Express® Card arrives. Once you receive your new Card, your current Card will no longer be valid and should be destroyed.


Your Macy's Credit Card account balance will transfer
Any existing Macy's Credit Card account balance will be transferred to your new Macy's American Express® Card account, and you'll be assigned a new account number. If you have an existing promotional balance, the terms of your promotion, including the expiration date, will not change.



Your Star Rewards loyalty level and points balance will transfer
Your Star Rewards loyalty level and any points earned with your Macy's Credit Card will be transferred to your new Macy's American Express® Card.


You can continue managing your account at macys.com/credit
Once you've upgraded, and if you prefer to service your account at macys.com/credit , you can continue managing your credit card account, check your balance, make online payments, and set up account alerts online using your existing login ID and password.


How your upgrade affects your credit report
Because your Macy's Credit Card account will be automatically replaced on your credit report with your new Macy's American Express® Card account, it will not change the number of open accounts on your report. Your account history and original account open date will remain the same. We can't guarantee what impacts this replacement upgrade will have—how you use and manage your credit accounts could impact your credit score.


Applying for an additional line of credit

If you currently have a Macy's Credit Card, you may also apply for a Macy's American Express® Card; if you currently have a Macy's American Express® Card, you may also apply for a Macy's Credit Card.

If approved, you will have a separate billing statement, and each account will have its own minimum due and payment due date. You can Add Your New Card to your macys.com account, plus you may also want to consider streamlining your payments by Enrolling In Autopay .

To ensure that Macy's Star Rewards offers are automatically added to your Wallet , add each of your credit card account numbers to your macys.com account

Excellent Credit, Good Credit

Save 25% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days.

All members get 25% off any day of choice with Star Passes. Savings events and more.

Gold (Annual Spend more $500 or more) & Platinum members (Annual spending $1200 or more) get free standard shipping on Macy's purchases.

Platinum members get 5% back (5 points/$1), Gold members get 3% back (3 points/$1) and Silver members get 2% (2 points/$1) in rewards with no exclusions on Macy’s merchandise.

Get 3% back (3 points/$1) in rewards at Restaurants including food delivery, 2% back (2 points/$1) in rewards at Gas Stations & Supermarkets. 1% back (1 point/$1) in rewards everywhere else.

Rewards go toward Star Money which you can use at Macy's with no merchandise exclusions. Once you accumulate 1,000 points, a $10 Star Money reward will be issued.

Balance Transfers Not Allowed

Macy's Credit Card Pros & Cons

20% discount initial rewards bonus

No balance transfers allowed

No intro APR on purchases

Macy's Credit Card Review

The Macy’s American Express Credit Card is a good credit card for people with good credit or better who regularly shop at Macy’s. The Macy’s Amex Card has a $0 annual fee, gives decent rewards, and makes you eligible for special discounts throughout the year.

Macy's Credit Card Review Highlights


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View 237 User Reviews

cash advance fee 4% (min $5)
cash advance APR 29.74% (V)
foreign transaction fee 3%
smart chip Yes, chip-and-signature
max late fee $41
max overlimit fee $0
max penalty APR None
grace period 25 days

at Department Stores National Bank's secure site

Special partner savings on dining, shopping and more.

Exceptional value on flights, hotels, car rentals, cruises and vacation packages.

at Department Stores National Bank's secure site

Can't find what you are looking for? Submit your question about Macy's Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

Is it hard to get the Macy's Credit Card?

Lisa Cahill, Credit Cards Moderator

Yes, it is hard to get the Macy's Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Macy's Credit Card.

In order to get the Macy's Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have an SSN.

Keep in mind that even if you meet all of the requirements for the Macy's Credit Card, you're never guaranteed to be approved.

What credit score does Macy's card require for approval?

Syd Jones, WalletHub Credit Card Analyst

Macy's doesn't specify a minimum credit score to qualify for either of its credit cards. In general, if you have a score higher than 700 for the credit card and 640 for the store card, your odds of approval are high. Keep in mind that in addition to your credit...

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How can I pay my Macy's Credit Card bill?

What bank issues Macy's Credit Card?

Maria Adams, Credit Cards Moderator

The Macy's Credit Card is issued by Department Stores National Bank, a subsidiary of Citibank.

Since Macy's is a department store, it doesn't have a banking license. That's why it partnered with DSN Bank to issue its credit cards.

How do I increase my Macy's Credit Card credit limit?

Chip Lupo, Credit Card Writer

You can request a Macy's Credit Card credit limit increase online, through the Department Stores National Bank mobile app, or by calling customer service at 1-888-257-6757. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight...

Where can I check my Macy's Credit Card balance?

Where can I check my Macy's credit card statement?

Syd Jones, WalletHub Credit Card Analyst

You can check your Macy's Credit Card statement online by following these steps:

  1. Log in to your Macy's account with your email address and password.
  2. Select "My Account."
  3. Select “Macy's Credit Card."
  4. Select the "Statements & Recent Activity" button.
  5. You can then...

Does the Macy's Store Card do a hard pull?

Maria Adams, Credit Cards Moderator

Yes, the Macy's Store Card will do a hard pull. You will need a credit score of 640+ to get it. This means that the Macy's Store Card requires fair credit, which is on par with what most store cards require.

Keep in mind, though, that your...

How can I log in to my Macy's Credit Card account online?

Evelyn Boros, Credit Cards Moderator

To log in to your Macy's Credit Card account, go to the login page on Macy's website, enter your username and password in the appropriate fields and click "Sign In." Then, click "My Account" from the drop-down menu in the top right corner and select "Macy's Credit Card."...

How do I close my Macy's credit card account?

Maria Adams, Credit Cards Moderator

You can close your Macy's Credit Card account by calling customer service at (866) 593-2543. Just state your request and provide the information necessary to confirm your identity. This is the way to cancel your Macy's Store Card, too.

Before you close your account, make sure to...

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Share your insights and review the Macy's Credit Card

What's Your Rating?

elba

November 2, 2022 • @elbag_5

5 Star Rating

Verified Customer

I haven't used this card yet, but when I get ready to I know that they offer great discounts, deals, points. I intend to use it for the Christmas season.

Comment

Brayan

October 27, 2022 • @brayanokalis11

5 Star Rating

Verified Customer

this card has favored me in all cases that allows me to use it without any problem, only that they should clean the automatic record and my leave is fully paid.

Comment

Jessica K

October 25, 2022 • @STaRSPRiNKLe

2 Star Rating

This card is obnoxious. Macy's is obnoxious. Macy's automatically switched me to Macy's American Express, and for the life of me, I can't get them to switch my previous Macy's account with this card, thus preventing me from being able to pay my bills online and setting up auto pays. When I try to activate the AE card, it gives me the error: We cannot register and/or activate your card at this time. This has been going on for years. The only way I can pay my bill is by snail mail, going into a store, or by calling them directly, where they tell me the easiest way to pay is by doing it online. SMH. The phone call wastes 4+ minutes of my life every month paying off this damn card. Macy's has also been playing this game with me for YEARS where they conveniently "forget" to send my final bill, which would have been paid off. And since I can't set up auto-pay, a missed hard copy of the bill affects my ability to pay that bill on time, so they conveniently get to add another $30 to my account. I just wound up completing my final bill + the late fee, and OF COURSE, what's in my mailbox? A freaking Macy's bill asking for two more dollars. Let's not even get into how long it took for them to get my name and address correctly on the bill. If Macy's didn't have good coupons and nice wool coats for the cooler months, I'd be done with them.

Comment

Kathleen

October 20, 2022 • @kjanurse57

5 Star Rating

Verified Customer

Love shopping here. Great selection in store and online. Have petites. Stores in lots of cities I travel to. Just love this store.

Comment

Jean-Pierre

October 14, 2022 • @jean_pierreb

5 Star Rating

Verified Customer

Very good card!!

Very good card!!

Comment

Bruce

October 13, 2022 • @bdaronsolomon

5 Star Rating

Verified Customer

Great savings in store and online as well as seasonal promotions and ongoing discounts. No issues with contacting customer service or support.

Comment

Edith Ann

October 6, 2022 • @edien54

1 Star Rating

Verified Customer

I closed my account due to incompetence on Macy's to correct my mailng address. Despite my editing it on line, talking to agents.

Comment

Isabel Lynn Etkind

September 1, 2022 • @isbletkind

2 Star Rating

Verified Customer

This is Bloomingdale's card, I made an initial purchase and I paid for it in full. Even though the card is a Bloomingdale's card, it reports to the credit bureaus as a Macy's card. Since the billing is handled by American Express it has their logo, but it is not an American Express card. The way that they figure the billing is also confusing. The purchase was deducted twice from my credit limit, even though I only ordered one item. When I called to find out why I had been billed twice, the lady I was talking to did not seem to understand what I was saying or have any idea how to address my concerns. She kept trying to tell me that I was only charged once(it was clear that the cost of the merchandise had been deducted twice), and she also told me that it would be OK but did not explain to me how that would happen. The issue was resolved but it required written communication through e-mail with them. This was my first interaction with them, and it was not a good one.

Comment

SHANNON

August 23, 2022 • @SKYSHANNON415

5 Star Rating

Verified Customer

I USE MY MACYS CARD FOR EMERGENCYS AND TO GET GIFTS FOR FRIENDS AND RELATIVES BIRTHDAYS AND CHRISTMAS TIME. EVERYONE LOVES A GIFT FROM MACY'S!

Comment

Barbara

August 12, 2022 • @barbaral_140

5 Star Rating

Verified Customer

Macy's always stands behind their merchandise. Quality merchandise and knowledgeable service people. It's my favorite place to shop. They have it all.

Comment

Review Macy's Credit Card

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Is my Macy's card an American Express?

There are two main versions of the Macy's credit card: a closed-loop card that you can only use at Macy's and an open-loop American Express card that can be used anywhere American Express is accepted. Neither card comes with an annual fee.

What's the difference between a Macy's credit card and a Macy's American Express credit card?

The Macy's Credit Card is a store card, which means you can only use it at Macy's properties. If you prefer a full-use credit card to use on spending outside of Macy's, there is a Macy's American Express Card, which offers 1% to 3% back on purchases at gas stations, supermarkets, restaurants and more.

Is it hard to get a Macy's American Express?

Yes, it is hard to get the Macy's Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Macy's Credit Card.

Does Macys Amex get Amex benefits?

Amex Offers rewards you at places you like to shop, dine, travel, and more. To enroll, simply add offers to your Macy's American Express® Card through the Amex Offers site. Then use that same Card to pay and watch the rewards roll in.