Macys American Express Card
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How we calculate effective rate →
The Macys American Express Card from Citi earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points.
What does the Macys American Express Card earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Macys American Express Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Macys American Express Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Macy's at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Macys American Express Card reward caps and conditions?
The Macys American Express Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3 points per $1 spent at restaurants, including delivery
- 2 points per $1 spent at gas stations & supermarkets
Who should get the Macys American Express Card?
The Macys American Express Card fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points.
Macys American Express Card fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Macy's value depends on how you redeem, not straight cash back.
Does the Macys American Express Card have an annual fee?
The Macys American Express Card has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Macys American Express Card?
The Macys American Express Card includes Entertainment Access, Star Money reward in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Entertainment Access
$10/yrGet early access to premium tickets for concerts, theater, sports and more, all year round. You can purchase presale tickets before the general public to special events and experiences when you use your Card.
Star Money reward
Once you accumulate 1,000 points, a $10 Star Money reward will be issued. Star Money may be used to purchase merchandise at Macy’s, Macy’s Backstage or macys.com.
Related encyclopedia topics
Common questions about the Macys American Express Card
Where do cardholders spend most with the Macys American Express Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the Macys American Express Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Macys American Express Card have an annual fee?
The Macys American Express Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Macys American Express Card?
Dining is the strongest Madeen category for the Macys American Express Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Macys American Express Card charge foreign transaction fees?
The Macys American Express Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Macys American Express Card?
Madeen's catalog lists a typical credit range of Good for the Macys American Express Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Macys American Express Card?
Rewards on the Macys American Express Card post as Macy's. Redemption value depends on how you use Macy's (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Macys American Express Card compare to similar cards?
Compare the Macys American Express Card against Citi Custom Cash℠ (5% on Dining, $0 fee); Citi Forward (4% on Dining, $0 fee); Citi Prestige (4% on Dining, $495 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Macys American Express Card This card | Dining | 3% | $0 |
| Dining | 5% | $0 | |
Citi | Dining | 4% | $0 |
Citi | Dining | 4% | $495 |
| Dining | 3% | $99 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure