26
Benefits5
Reward Categories3x
Max Reward31.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Macy's Purchases | 3x | Cash Back | Purchases made at Macy's stores and macys.com with the Macy's American Express Card. | No Cap | |
| Gas | 2x | Cash Back | Purchases made at eligible gas stations. | No Cap | |
| Groceries | 2x | Cash Back | Purchases made at eligible supermarkets. | No Cap | |
| Dining | 2x | Cash Back | Purchases made at eligible restaurants. | No Cap | |
| All Other Purchases | 1x | Cash Back | All other eligible purchases everywhere American Express Cards are accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Macy's, 2x Gas Stations, 2x Supermarkets, 2x Restaurants
Quarterly Rotating: No
Expiration Policy: Star Money expires 30 days from issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Star Money cannot be used for gift cards, services, or certain brands.
Benefits & Protections (Detailed) 26 Total
PENDINGCard Management 1
Online Account Management
Online accessProvides access to an online portal to manage the credit card account, view statements, make payments, and monitor activity.
Financial 1
No Annual Fee
No annual feeThe Macy's American Express Card does not charge an annual fee.
Purchase Protection 3
Extended Warranty Protection
Up to 1 additional yearExtends the original manufacturer's warranty for eligible items purchased with the card by up to one additional year, for warranties of five years or less.
Purchase Protection
Up to $1,000 per occurrence, $50,000 per card account per yearCovers eligible items purchased with the card against theft or accidental damage for 90 days from the date of purchase.
Return Protection
Up to $300 per item, $1,000 per card account per yearReimburses the cardholder for eligible items purchased with the card that a merchant will not accept for return within 90 days of purchase.
Security 2
Fraud Protection
Zero liabilityProvides zero liability for unauthorized charges made on the card account.
Account Alerts
Email/text notificationsAllows cardholders to receive email or text notifications for various account activities, such as large purchases or payment due reminders.
Shopping 11
Macy's Star Rewards Program Enrollment
1% back in Star MoneyAutomatic enrollment in the Macy's Star Rewards program, earning 1% back in Star Money on Macy's purchases.
New Cardholder Star Pass Offer
25% offNew Macy's Cardholders receive 25% off Star Passes for a limited time upon account opening.
Birthday Offer
Special offerAll Star Rewards members receive a special offer during their birthday month.
Star Money Bonus Days
Extra Star MoneyOpportunities to earn extra Star Money during promotional periods.
Free Shipping (Gold & Platinum Status)
Free standard shippingGold and Platinum Star Rewards members receive free standard shipping on all Macy's purchases. Platinum members receive free shipping with no minimum purchase.
25% Off Any Day (Platinum Status)
25% offPlatinum Star Rewards members can choose one day to receive 25% off their Macy's purchases.
Exclusive Offers (Platinum Status)
Exclusive offersPlatinum Star Rewards members receive exclusive offers throughout the year.
Star Money Earning on Everyday Purchases (Silver/Gold Amex)
2% back in Star MoneyMacy's American Express Cardholders (Silver and Gold Star Rewards status) earn 2% back in Star Money on eligible purchases at restaurants, gas stations, and supermarkets outside of Macy's.
Star Money Earning on Other Purchases (Silver/Gold Amex)
1% back in Star MoneyMacy's American Express Cardholders (Silver and Gold Star Rewards status) earn 1% back in Star Money on all other eligible purchases made outside of Macy's.
Star Money Earning on Everyday Purchases (Platinum Amex)
3% back in Star MoneyMacy's American Express Platinum Cardholders earn 3% back in Star Money on eligible purchases at restaurants, gas stations, and supermarkets outside of Macy's.
Star Money Earning on Other Purchases (Platinum Amex)
1% back in Star MoneyMacy's American Express Platinum Cardholders earn 1% back in Star Money on all other eligible purchases made outside of Macy's.
Status Benefits 4
Star Rewards Silver Status
Varies by offerAchieved with $1-$499 annual spend at Macy's. Benefits include 25% off Star Passes, Birthday Offer, and Star Money Bonus Days.
Star Rewards Gold Status
Varies by offer, Free ShippingAchieved with $500-$1199 annual spend at Macy's. Benefits include 25% off Star Passes, Birthday Offer, Star Money Bonus Days, and Free Shipping on Macy's purchases.
Star Rewards Platinum Status
Varies by offer, Free Shipping, 25% off any dayAchieved with $1200+ annual spend at Macy's. Benefits include 25% off Star Passes, Birthday Offer, Star Money Bonus Days, Free Shipping on Macy's purchases with no minimum, 25% off any day, exclusive offers, and priority customer service.
Priority Customer Service (Platinum Status)
Priority accessPlatinum Star Rewards members have access to a dedicated priority customer service phone line.
Travel 2
Roadside Assistance Hotline
Referral serviceProvides a 24/7 referral service for emergency roadside assistance services (e.g., towing, jump-starting, tire change). Cardholder is responsible for the cost of services.
Global Assist Hotline
Referral serviceProvides 24/7 emergency assistance and referral services for medical, legal, and other travel-related emergencies when traveling more than 100 miles from home. Cardholder is responsible for the cost of third-party services.
Travel Insurance 2
Car Rental Loss and Damage Insurance
Secondary coverageProvides secondary coverage for damage or theft of an eligible rental vehicle when the card is used to pay for the entire rental and the rental company's collision damage waiver is declined.
Travel Accident Insurance
Up to $100,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare is charged to the card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 31.24% - 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Macy's American Express Card from Synchrony requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria, typically requiring good to excellent credit for approval. New cardholders often receive a sign-up bonus, such as a percentage discount (e.g., 20%) on their first day's purchases up to a specified maximum. Ongoing benefits include earning Star Money rewards on Macy's purchases (and potentially elsewhere for the Amex version), free standard shipping on Macy's orders, birthday offers, and exclusive access to cardholder-only savings events. Cardholder status (Silver, Gold, Platinum) is determined by annual spend at Macy's, unlocking enhanced perks like higher Star Money earning rates and free premium shipping. Application is subject to a credit check and income verification.
Max Cards Per Issuer: 3
Min Spend Interval: The primary sign-up bonus (e.g., first purchase discount) is immediate and does not have a traditional minimum spend interval. Ongoing benefits and status tiers are based on annual spend at Macy's, not a specific bonus spend period.
Cliff Effect Rules: Macy's offers two main credit products: the Macy's Store Card (private label) and the Macy's American Express Card. The Amex version is generally considered a more premium option, offering broader acceptance and potentially better rewards outside Macy's. Holding one does not typically prevent approval for the other, but Synchrony will consider overall credit exposure and recent applications. There is no 'once-per-lifetime' bonus rule like some issuers, but rather a progression where the Amex card offers more utility.
Special Events: Macy's 'Star Pass' events (exclusive savings for cardholders), 'Friends & Family' sales, 'One Day Sales,' 'Macy's Cardholder Exclusive Offers,' 'Bonus Star Money' earning periods, and special in-store events.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Mother's Day (May), Father's Day (June), Memorial Day (May), Labor Day (September), Back-to-School (July-August), Valentine's Day (February), Fourth of July (July).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.6 / 5.0
Top Positive:
Excellent discounts and rewards for frequent Macy's shoppers, especially during promotional periods. The American Express version provides flexibility to earn rewards on everyday purchases outside Macy's. Online account management is generally straightforward.
Top Negative:
High Annual Percentage Rate (APR) makes carrying a balance costly. Frequent complaints about Synchrony Bank's customer service. Rewards outside Macy's are not competitive compared to other general-purpose credit cards.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Citi Custom Cash Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $225.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2024.03.01