Macy’s American Express® Card from Citi: annual fee, APR and rewards

Fact sheet for the Macy's American Express® Card, issued by Citi, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Network	American Express
Annual fee	$0
Rewards	Points: Earn points on Macy's purchases: 2 points per $1 for Silver members, 3 for Gold, 5 for Platinum; 1,000 points = $10 in Star Money. Outside Macy's: 3 points per $1 at restaurants including delivery, 2 points per $1 at gas stations and supermarkets, 1 point per $1 everywhere else.
Purchase APR	Purchase, Balance Transfer, and Cash Advance APR: 32.99% (rates may vary with the market based on the Prime Rate)
Balance transfer fee	The greater of $10 or 5% of the amount of each transfer
Sign-up bonus	Open a Macy's Card and get 30% off macys.com purchases today. Discount in store varies. Save up to $100.
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good, Poor (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 32.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.