Want to unlock more rewards and flexibility with your Macy's card? Upgrading your Macy's Credit Card to a Macy's American Express® Card can offer significant benefits, extending your earning potential beyond Macy's stores to everyday purchases. While a direct "upgrade" button isn't always available, Macy's offers this on a targeted basis. If you're not specifically offered an upgrade, you might need to apply for the American Express version as a new line of credit. Don't worry, we'll walk you through everything you need to know, step by step!
Step 1: Understand the Macy's American Express® Card Benefits
First, let's understand why you'd want to make this move. The Macy's American Express® Card isn't just for shopping at Macy's; it's a full-fledged credit card that earns you rewards everywhere American Express is accepted.
Key Benefits to Consider:
Expanded Rewards Earning: This is the biggest perk! While your current Macy's Credit Card earns points primarily on Macy's purchases, the American Express version takes it further:
3 points per $1 spent at restaurants (including delivery).
2 points per $1 spent at gas stations and supermarkets.
1 point per $1 spent everywhere else.
Star Rewards Continuity: Good news! Your existing Star Rewards loyalty level and any points accumulated on your Macy's Credit Card will transfer seamlessly to your new Macy's American Express® Card.
No Annual Fee: Both the Macy's Credit Card and the Macy's American Express® Card generally come with no annual fee.
Amex Offers: As an American Express cardholder, you gain access to exclusive Amex Offers, which provide discounts and cashback on various purchases from participating merchants.
Travel & Entertainment Benefits: American Express cards often come with additional perks like early access to premium tickets for concerts, theater, sports, and certain travel benefits.
Knowing these benefits will help you decide if pursuing the upgrade is the right move for your spending habits.
Step 2: Check Your Eligibility & Look for Targeted Offers
The upgrade path isn't always a straightforward "click here to upgrade" option. Macy's typically offers upgrades from the Macy's Credit Card to the Macy's American Express® Card on a targeted basis.
How to Check for Offers:
Online Account: Log in to your Macy's Credit Card account online at macys.com. Navigate to your account management section. Sometimes, if you're eligible for an upgrade, you'll see a prominent offer there.
Mail and Email: Keep an eye on your physical mail and email inbox for any communications from Macy's or Citibank (the issuer of Macy's credit cards). They might send you a pre-approved upgrade offer.
In-Store Promotions: Occasionally, Macy's might have in-store promotions or associates who can check for upgrade eligibility.
Good Standing: Generally, to be considered for an upgrade, you should be in good standing with your current Macy's Credit Card. This means a history of on-time payments and a healthy credit score. If you've had recent missed payments, it's wise to establish a stable payment history for a few months before seeking an upgrade.
Important Note: If you accept a targeted upgrade offer, your existing Macy's Credit Card account will be automatically replaced on your credit report with your new Macy's American Express® Card account. This typically means your account history and original account open date will remain the same, which can be beneficial for your credit history length. You can continue to use your Macy's Credit Card until your new Macy's American Express® Card arrives.
Step 3: Contact Macy's Credit Services Directly
If you haven't received a targeted offer and are keen on upgrading, your best bet is to reach out to Macy's Credit Services directly. They can provide the most accurate information regarding your eligibility and any available options.
What to Do:
Gather Your Information: Before you call, have your Macy's Credit Card account number and any personal identification details ready.
Call Customer Service: The dedicated customer service number for Macy's Credit Card inquiries is 1-888-257-6757. Their business hours are typically Monday - Sunday, 8 AM - 10 PM ET.
Tip: When you connect with a representative, clearly state your intention: "I'm interested in upgrading my Macy's Credit Card to the Macy's American Express Card."
Be Prepared to Discuss Your Credit Profile: They may ask about your income, residential status, and monthly mortgage or rent payments to assess your creditworthiness for the American Express version.
Ask About New Applications: If a direct upgrade isn't possible, inquire about applying for the Macy's American Express® Card as a separate new line of credit. Be aware that applying for a new line of credit will involve a hard inquiry on your credit report, which can temporarily affect your credit score. If approved for both cards (your existing Macy's card and a new American Express card), you will have separate billing statements and each account will have its own minimum due and payment due date.
Step 4: Applying for the Macy's American Express® Card (If an Upgrade Isn't Offered)
If a direct upgrade isn't an option, you can always apply for the Macy's American Express® Card as a new credit card. This is a standard application process.
Steps for Application:
Online Application: Visit the Macy's website (macys.com) and look for the "Credit Card" section. You'll usually find an option to "Apply Now" for a Macy's Card.
Note: When you apply for a Macy's Credit Card online, you will typically be considered for both the Macy's Credit Card and the Macy's American Express® Card. If approved for both, you'll select which card you'd like.
Provide Required Information: You'll need to fill out an application form with personal and financial details, including your annual income, employment status, and residential information.
Review Terms and Conditions: Before submitting, carefully read the terms and conditions, including the Annual Percentage Rate (APR) and any associated fees (though typically there's no annual fee for this card).
Submission and Decision: Credit decisions are often immediate, but sometimes they can take 7-10 business days for processing.
Activation: Once approved, you should receive your new Macy's American Express® Card within 7-10 business days. Activation instructions will be provided with the card.
Remember: Applying for a new credit card involves a hard inquiry on your credit report, which can temporarily lower your credit score by a few points.
Step 5: Managing Your New Macy's American Express® Card
Once you've successfully upgraded or applied for and received your Macy's American Express® Card, it's time to put it to good use and manage it effectively.
Post-Upgrade/Application Checklist:
Activate Your Card: Follow the activation instructions provided with your new card. This is usually done online or via phone.
Update Payment Information: If you have any recurring payments or subscriptions linked to your old Macy's Credit Card, make sure to update them with your new Macy's American Express® Card details. Review your past few months of statements to identify all accounts that need updating.
Explore Benefits: Familiarize yourself with all the American Express benefits, including Amex Offers, travel perks (if applicable), and entertainment access. You can usually find this information on the American Express website or through your online Macy's account.
Monitor Your Account: Regularly check your statements for accuracy and to track your rewards earnings. You can typically manage your account online through macys.com.
Redeem Star Money: As you earn points, they will accumulate into Star Money rewards (1,000 points = $10 Star Money). You can redeem these at Macy's, Macy's Backstage, or macys.com. Remember, Star Money usually expires 30 days after issuance.
Maintain Good Credit Habits: Continue to make on-time payments and keep your credit utilization low to maintain a healthy credit score.
Frequently Asked Questions (FAQs)
How to Check My Macy's Card Status for Upgrade Eligibility?
You can check for targeted upgrade offers by logging into your Macy's Credit Card account online at macys.com or by calling Macy's Credit Services at 1-888-257-6757. Keep an eye on your mail and email for any pre-approved offers as well.
How to Know if My Macy's Card is Already an American Express Card?
The Macy's American Express® Card will clearly display the American Express logo on the front of the card. If your card only has the Macy's logo, it's likely the store-only credit card.
How to Apply for a Macy's American Express Card if I Don't Get an Upgrade Offer?
You can apply for the Macy's American Express® Card as a new credit card directly on macys.com. During the application, you'll be considered for both the store card and the American Express version.
How to Avoid a Hard Inquiry When Upgrading My Macy's Card?
If you receive and accept a targeted upgrade offer from Macy's, it typically won't result in a new hard inquiry on your credit report, as it's often considered a product change. However, if you apply for the Macy's American Express Card as a brand-new account, a hard inquiry will likely occur.
How to Contact Macy's Credit Customer Service for Card Upgrades?
You can reach Macy's Credit Customer Service by calling 1-888-257-6757. They are available Monday - Sunday, 8 AM - 10 PM ET.
How to Check My Star Rewards Balance After Upgrading My Macy's Card?
Your Star Rewards loyalty level and any accumulated points will automatically transfer to your new Macy's American Express® Card. You can check your balance by logging into your macys.com account.
How to Pay My Macy's American Express Card Bill?
You can pay your Macy's American Express® Card bill online through your macys.com account, via phone, or by mail, similar to how you paid your previous Macy's Credit Card.
How to Use My Macy's American Express Card Outside of Macy's?
Simply use your Macy's American Express® Card anywhere American Express is accepted. You'll earn points on those purchases, including bonus points at restaurants, gas stations, and supermarkets.
How to Understand the Fees Associated with the Macy's American Express Card?
The Macy's American Express® Card typically has no annual fee. However, be aware of standard credit card fees like late payment fees or cash advance fees, as outlined in your cardholder agreement.
How to Get the Most Out of My New Macy's American Express Card?
To maximize your benefits, use your card for everyday spending, especially at restaurants, gas stations, and supermarkets to earn bonus points. Also, keep an eye on Amex Offers and utilize your Star Money rewards regularly.
