Macys American Express Card
- Annual Fee
- $0
- Highest rate (not cash)
- 3X Macy's points (est. 3% in certificate value)
Terms checked against the issuer on September 30, 2026
At a Glance
- Annual Fee
- $0
- Network
- —
- Rewards Currency
- Macy's points (not cash; est. at certificate value)
- Credit Required
- Good
Earning Rates
- 3X
Dining
3 points per $1 at eligible US stand-alone restaurants. The product headline includes delivery; restaurants inside other establishments do not qualify.
- 2X
Gas Stations
2 points per $1 at eligible US stand-alone gas stations; superstores, supermarkets, convenience stores and warehouse clubs selling gasoline do not qualify as gas stations.
- 2X
Grocery Stores
2 points per $1 at eligible US stand-alone supermarkets, excluding superstores and warehouses.
- 1X
All Other
1 point per $1 on other eligible purchases outside Macy’s.
Benefits & Perks
Dining Out
3x at restaurants
Macy's
300 points on a $100 dinner. We don't put a dollar value on this currency yet.
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Details & Terms
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Reward currency | |
| Issuer Page | Issuer Page: Annual fee |
