Macy's American Express Card
Basic Information
Program ID: 005
Issuer: Citibank
Card Type: Credit
Network: American Express
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 06:52
Last Scraped: 01/15/2026 05:06
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 2 days
Bonus Timing: Discount is applied instantly at checkout for qualifying purchases made within the 2-day offer period.
Rewards Program
Reward Type: ThankYou Rewards
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Travel (Citi Travel Portal: flights, hotels, car rentals), 3x Dining, 3x Groceries, 3x Gas Stations
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: Aeromexico Club Premier, Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the welcome bonus on the '005' card requires that the applicant has not received a bonus for any card within the '005' family (or a related product as defined by Citibank) in the past 24 months. This rule applies even if the card product name has changed or the previous account was closed. Applicants must also generally be new cardmembers for this specific product or have closed their previous '005' account more than 24 months prior to application. Citibank may also enforce application velocity rules, typically limiting new applications to one card every 8 days and no more than two cards within a 65-day period across all Citibank products.
Maximum Cards Per Issuer: 8
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Citibank products, frequent balance transfers without new spending, rapid account opening and closing (churning), defaulting on payments, suspicious spending patterns (e.g., large, round numbers at unusual merchants), not using the card after meeting the bonus requirement, or violating terms of service.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Exclusive discounts and promotions at Macy's, special financing options, easy approval for loyal customers, good for building credit.
Top Negative Feedback:
High APR, limited use outside Macy's, poor customer service experiences, rewards only redeemable at Macy's.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Amazon Prime Rewards Visa Signature Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023