The Macy’s American Express Credit Card offers many benefits and rewards to cardholders, especially those who regularly shop at Macy’s. Here are the benefits and advantages you can expect:
Key Benefits of Macy’s American Express Credit Card
STAR REWARDS PROGRAM
- The card is linked to Macy’s Star Rewards program, which allows cardholders to earn points on every purchase. The point system works as follows:
- 5% cash back on Macy’s purchases when you reach Platinum status ($1,200 in Macy’s purchases required annually).
- Earn points in a tiered structure based on your annual spend at Macy’s:
- Money: Spend $1-$499 annually at Macy’s and earn 2% cash back.
- Gold: Spend between $500 and $1,199 annually and get 3% back.
- Platinum: Spend $1,200 or more per year and get 5% cash back.
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Collect Points Everywhere with American Express
- Earn points not only at Macy’s, but also on all other eligible purchases you make with your card:
- 3 points for every 1 euro spent in restaurants (including delivery and takeaway).
- 2 points per dollar spent at gas stations and supermarkets.
- 1 point per $1 on all other non-Macy’s purchases.
STAR CASH AWARDS
- Once you earn 1,000 points, you’ll receive $10* in Star Cash to spend on purchases at Macy’s.
- There are no exceptions to how you can spend your Star Money, which is a big plus for loyal Macy’s shoppers.
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Special Economics and Programs for Cardholders
- Additional savings programs: Cardholders have access to special savings programs and special discounts throughout the year.
- Birthday Surprise: As a cardholder, you will receive a birthday surprise every year, such as discounts or special offers.
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NO ANNUAL FEE
- The card has no annual fee, making it a cost-effective option for shoppers who regularly shop at Macy’s.
American Express Benefits
- Being a co-branded card with American Express, it offers additional benefits such as:
- Travel and purchase protection such as travel accident insurance and extended warranty.
- Access American Express Offers such as discounts, promotions and offers from various merchants.
- Access to Entertainment American Express Experiences including exclusive advance tickets, special events and more.
- Fraud Protection and Security
– This card offers standard fraud protection so you won’t be held liable for unauthorised charges.
- Has *advanced security features to protect your account information.
Flexible Payment Options
- Macy’s American Express Credit Card offers a variety of payment plans and options to help you effectively manage your budget.
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Potential disadvantages
- High interest rates. As with many loyalty cards, the APR is relatively high if you carry a balance.
- Limited benefits outside Macy’s: You can earn points on purchases made outside Macy’s. However, the best prize is shopping at Macy’s.
The Macy’s American Express Credit Card is ideal for those who regularly shop at Macy’s and want to maximise their rewards with additional benefits like special savings programs and Star Money bonuses.
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