Macy’s American Express Credit Card: everything you need to know!

Macy's American Express Credit Card is one of the best options of store credit cards. So, if you want to know more, you are in the right place!
Macy's American Express Card
Macy's American Express Card

Although Macy’s buyers may think that Macy’s American Express Credit Card will get them valuable prizes at the store, it is more than that. With this credit card, you’ll be able to earn 2% back on Macy’s account. Furthermore, you’ll get 3% refund at restaurants. Also 2% refund at gas stations and supermarkets, and 1% cash elsewhere. Once you accumulate 1,000 points for the $10 Star Money Rewards, the prizes automatically expire. Therefore, you must use them within 30 days or they will expire. There is no annual fee on the card, and it comes with some good shopping and travel amenities.

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Pros Explained

High rewards rates at restaurants, supermarkets and gas stations:
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With Macy’s American Express Credit Card, you get 3 points per $1 at restaurants. Also 2 points per $1 at gas stations and supermarkets. But not only, you can get 1 point per place everywhere except Macy’s $1. Cardholders will receive a 2% refund in Max until they reach the earning limit. Travel and Purchase Benefits: As a cardholder, you will get access to up to 10% discount on Delta Airlines flights. 25% off car rental discounts, and additional travel benefits, including hotel discounts.

You will also have entertainment access with this credit card, where you can purchase tickets to larger events before the public. Depending on how much money you spend on Macy, you are also eligible for the following purchase benefits. Annual Expenses from 1$ to $499: If you spend up to $499 per year on Macy’s, you will have a silver reward. This level gives you 25% off Star Pass with special sales and “birthday surprises”. Cardholders get automatic silver status.

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With $500 to $1,199 annual spends: You’ll reach the Gold level of this credit card if you spend between $500 and $1,199. At this level, you get all the benefits of the Silver level, plus free shipping. You’ll also earn 3% back in rewards when using your Macy’s card. $1,200+ annual spends: If you spend $1,200 or more on Macy’s every year, you will reach the platinum level. You get all the gold level amenities, and you’ll also get 5% rewards on Macy’s purchases. 

Macy’s American Express Credit Card Bonus

With most credit cards that offer bonuses, you have to spend a certain amount in the first few months of opening an account to be eligible. Macy’s American Express card works differently. When you get approved for the card, you will receive a two-day coupon on a 20% off leave from Macy’s. This costs up to $100. While there is a decent bonus for this card without any annual fee, other cards offer bonuses that are more generous.

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Rewards Redemption Details

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With Macy American Express Credit Card, there is only one way out of Star Money Rewards. When you accumulate 1,000 points, you will automatically receive $10 in Star Money rewards. You can use your Star Money Rewards at Macy’s stores or at the website. It cannot be used in restaurants located inside Macy’s store. Star Money prizes expire 30 days after release. If your credit card account is closed, or if you fail to make a qualifying purchase with your card for 12 months, you will lose your rewards.

Macys American Express Credit Card
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How to Maximize Your Rewards

If you want to get the maximum value out of this card, you should plan to spend at least $200 per year on Macy’s place so that you can get Platinum status and earn 5 points per $1 on your Macy’s purchases. The credit card offers 3 points per $1 at restaurants, which is quite a return. You will also get 2 points for every $1 at gas stations and supermarkets. So whenever you eat, use the card at the grocery store, or fill your car to earn more points for your usual expenses.

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This card is the best:
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Macy’s American Express Credit Card is perfect for Macy’s devotees who shop at the store regularly and spend at least $1,200 each year. With this card, you will receive complimentary rates at restaurants, gas stations, and supermarkets. And, if you spend $1,200 per year on Macy’s and automatically become a Platinum Level member, you’ll get additional benefits like 5% back in rewards on Macy’s purchases, free shipping, and special discounts. The card also gives you access to travel benefits that can help you save money, such as flights, car rentals, and hotel discounts.

Our Verdict

If you spend a certain amount on Macy’s 200, 1,200 or more a year, you may find Macy’s American Express Credit Card valuable. When you reach the Platinum level, you’ll find 5 points spent on Macy’s place, as well as regular high card rewards rates in restaurants, gas stations and supermarkets. The credit card also offers additional benefits such as special discounts, free shipping for selected cardholders, and travel benefits. Also, there is no annual fee. However, if you spend less than $ 1,200 a year on Macy’s, this card won’t be as useful.

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If you do not meet this threshold, you will not receive a reward for your Macy’s purchases. And, prizes expire 30 days after release, so you run the risk of losing your prizes altogether. Alternatively, you may want to sign up for a general rewards card, such as a Citi Double Cash Card. There is no annual fee, and when you pay for these purchases you will earn 1% cash on all purchases. Your rewards will not expire unless you use your card at least once every 12 months.