Our illustration in the card’s colours, not its design
Citi credit card
Macy's American Express Credit Card
No annual fee. Purchase APR 32.99%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · citi.com
“No Annual Fee 1”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · citi.com
“Macy's Card - As of September 22, 2026, Purchase APR: 32.99% (rates may vary with the market based on the Prime Rate).”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · citi.com
“Transaction Fee for Purchases in Foreign Currency: 3% of the U.S.”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · citi.com “No Annual Fee 1” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · citi.com “Macy's Card - As of September 22, 2026, Purchase APR: 32.99% (rates may vary with the market based on the Prime Rate).” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · citi.com “Macy's American Express Credit Card – As of September 22, 2026, Purchase, Balance Transfer, and Cash Advance APR: 32.99% (rates may vary with the market based on the Prime Rate).” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · citi.com “Balance Transfer Fee: The greater of $ 10 or 5% of the amount of each transfer.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · citi.com “Macy's American Express Credit Card – As of September 22, 2026, Purchase, Balance Transfer, and Cash Advance APR: 32.99% (rates may vary with the market based on the Prime Rate).” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · citi.com “Cash Advance Fee: The greater of $ 5.00 or 4% of the amount of each cash advance.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · citi.com “Transaction Fee for Purchases in Foreign Currency: 3% of the U.S.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · citi.com “Minimum Interest Charge: $ 2.00 .” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)