Macy's AMEX Card Cash Value Calculator

Macy's AMEX Card

3% Restaurants
2% Gas Stations
2% Supermarkets
25% Off Star Passes

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"Will you be using your Macy's today?" probably sounds familiar if you've purchased items from inside a Macy's store. This question is usually followed by a "Huh?" or "What did you say?" since the sentence itself doesn't make complete sense considering they don't insert the word 'Credit Card' anywhere in the statement. It's a clever way for them to lead into a spill about the Macy's AMEX and what it offers. Usually the inital bonus for signing up for the card is always 'worth it' since you'll usually save 20% off whatever you're purchasing. The hard part is if you're going to actually use the card beyond that initial savings and if it generates enough of a return to keep in the long run.

The Macys AMEX Card allows Star Program Members to reach Silver, Gold, and Platinum Status based on card spend. Non-cardholders will only be able to acheive the Bronze status. Reaching these various tiers in the Star Rewards Program will grant you perks such as 25% off any day you choose with Star Passes and free shipping. Reaching the highest status of Platinum will enable the card to earn 5% back on Macy's purchases and also allow you to use your card for travel benefits through American Express.

Star Reward Points and Star Money

Macy's Star Rewards Points are worth 1 cent each. Once you accumulate 1,000 points a $10 Star Money reward will be issued. Star Money can be used at Macy's, on, and for Macy's Backstage. Purchases must be made at Macy's point of sale registers, so stores inside of Macy's such as restaurants will not apply. Star Money is only valid for 30 days and purchases made with all Star Money will not be eligible for discounts. Closing your Macys AMEX or not making a purchases on your account during a consecutive 12-month period will forfeit all points and unused Star Money.

Star Rewards Calculator

The Macy's Star Rewards Calculator will calculate the dollar value of any amount of points you have.

Macy's Star Rewards To Star Money Enter any amount of Macy Star Rewards to see them converted to Star Money below.
Macy's Star Rewards
1,000 Star Points = $10 Star Money
$0 Star Money

Bonus Categories

The Macy's AMEX features three bonus categories which are restaurants, gas stations, and supermarkets. A fourth bonus category for Macy's spending can be obtained if you reach Macy's Star Rewards Platinum Tier which requires running $1,200 in spend through the card. Any Macy's spending when you're not at Platinum Tier will result in no rewards (as in 0% earnings). There's no limit to the amount of star rewards you can earn spending in these bonus categories and there is no limit to the amount of star rewards you can earn in general. The Macy's Store Card does not have a network and can only earn spend based on shopping at Macy's in which the cardholder will still earn no points. Below are the details of the bonus categories featured on the Macy's AMEX. Macy's present these as 'cash back' but you're really earning points that you can turn into Star Money so 3% back will be the same as earning 3 Star Points which is equal to 3 cents ($0.03).

3% Restaurant

Using the Macy's AMEX at restaurants will earn you 3 Star Rewards Points (3%) per $1 spent. This will be at restaurants outside of Macy's that are coded as restaurant and includes fast food and fine dining establishments. This is a 3% return that can be beat by many cash back cards and is nothing to do cartwheels over. One of the best cash back cards is the Barclay Uber Card which earns 4% cash back at restaurants. It also earns cash back for Music and Video Streaming Services (Hulu, Netflix, Apple Music, Spotify, etc.), online shopping, Uber, UberEats and 4 more categories. You can use the cash back earned on the Uber Card and apply it to your Macy's purchases and earn rewards a little faster. The Barclay Uber Card does not have an annual fee.

2% Supermarkets

The Macy's AMEX earns 2 Star Rewards Points (2%) per $1 spent for supermarket/grocery purchases. American Express considers a supermarket as being a place that offers a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. This includes place such as, but not limited to, Meijer, Vons, Giant Eagle, Winn-Dixie, and Foodtown. There are lots of cards that offer a similar return of 2% on supermarkets, but one of the best in the bunch will be the AMEX Blue Cash Everyday Card. The Blue Cash earns 3% back on supermarkets, 2% back on gas stations, and 2% back on department stores. This means you can start earning 2% cash back at Macy's without having to spend $1,200 first. On top of that, you can match the same gas stations earning that the Macy's AMEX has. The Blue Cash Everyday does not have an annual fee.

2% Gas Station

Gas station spending on the Macy's AMEX will earn 2 Star Rewards Points (2%) per $1 spent. American Express considers gas stations to be places that, of course, specialize in gas. These are places such as Exxon, Mobil, Hess, and Shell. Gas stations that are part of supermarkets or warehouse clubs will not usually count towards the 2% cash back bonus. There are reward cards that earn a lot more on gas station purchases. The PNC Cash Rewards Card features the same categories as the Macy's AMEX. The PNC Card earns 4% back on gas stations, 3% back on restaurants, and 2% back on supermarkets. Gas station spend alone will earn you cash back at double the speed of using the Macy's AMEX. The PNC Cash Rewards Card does not have an annual fee.


Spend $1,200 on the Macy's AMEX will push you to Macy's Platinum Tier in their Star Rewards program. Platinum tier members who on their Macy's AMEX for Macy's purchases will earn 5 Star Rewards Points (5%) per $1 spent. Members who reach this status will remain at the tier for the remainder of the current calendar year as well as the next full calendar year assuming the card is still opened and not deliquent. Earning 5% on Macy's purchases is a great return, but the fact you have to spend $1,200 and get no rewards first is the challenging hurdle. If you're a consistant Macy's customer and spend a guaranteed $1,200+ at Macy's every year, the Macy's AMEX can be very useful just because you'll maintain that 5% earning rate every year thereafter and make up for the 0% in rewards over time. If you don't spend that much at Macy's then I would recommend putting Macy's spend on a card that earns cash back for department store purchases such as the Blue Cash Everyday (unlimited 2% cash back; no annual fee) or Blue Cash Preferred (unlimited 3% cash back; $95 annual fee).

Perks and Benefits

The Macy's AMEX benefits consist of earning bonus Star Points, extra saving offers at checkout, birthday surprises, free shipping, and more. These benefits come with earning status in Macy's Star Rewards Program. Macy's program has four tiers which are Bronze, Silver, Gold, and Platinum status.

Macy's Bronze Member

Macy's Bronze Members are Star Rewards Program members who do not own the Macy's AMEX or Macy's Store Card. Non-Macy's cardholders will not be able to reach any other tier in the program due to not being able to reach the spend goals that must be placed on a Macy's Credit Card.

Star Money Days

All Macy's Star Rewards members will earn extra points toward Star Money and be able to use it with no merchandise exclusions.

Perks & Offers

All Macy's Star Rewards members will enjoy extra savings offers when checking out and will receive event invitations along with a few other perks.

Birthday Surprise

All Macy's Star Rewards members will receive a birthday surprise for being a member. The value of the birthday surprise will vary depending on the tier. You must have made a purchases at Macy's or within the past 12 months on your Macy's Card or through your membership.

Macy's Silver Member

Macy's Silver Member status is obtained after spending $1 to $499.99 on the Macy's AMEX or Macy's Store Card. Non-Macy's cardholders will not be able to reach Silver status or higher. Macy's Silver Member status comes with the benefits of Macy's Bronze Member status along with the following additional benefits.

25% Off Star Passes

Macy's Silver Mebmers and higher will receive Star Pass Coupons that are can earn you 25% off any day you choose. These will be received via marketing mail from Macy's meaning you must be opted-in to receive such.

Macy's Gold Member

Macy's Gold Member status is obtained after spending $500 to $1,199.99 on the Macy's AMEX or Macy's Store Card. Macy's Gold Member status comes with the benefits of Macy's Silver Member status along with the following additional benefits.

Free Shipping

Macy's Gold Members and higher will receive free shipping with no minimum purchase amount. This can also be applied to premium and overnight shipping for an upgrade fee. Macy's members outside of the contiguous United States will be receive a $10 surcharge on domestic orders. Free shipping does not apply to furniture, mattresses, or rugs. Size and weight of certain items may generate a shipping surcharge.

Macy's Platinum Member

Macy's Platinum Member status is obtained after spending $1,200 or more on the Macy's AMEX or Macy's Store Card. Macy's Platinum member status comes with the benefits of Macy's Gold Member status along with the following additional benefits.

5% Macy's Purchases

Macy's Platinum Members will receive 5 Star Rewards Points (5%) on Macy's purchases when they use their Macy's AMEX or Macy's Store Card. This is a great return that can easily be worth the spend if you do a great deal of spending in Macy's stores every year and continue to maintain Platinum status.

Travel Benefits

Macy's Platinum Members will receive savings through American Express on flights, hotels, car rentals, cruises and vacation packages. Macy's Platinum status basically allows members to partake in the standard travel perks that are offered on AMEX's travel and cash back cards.

Sign Up Bonus

The Macy's AMEX Card and Macy's Store Card sign up bonuses vary depending on holidays, promotions, and more. The most common Macy's Credit Card bonus is saving 20% off your first purchase. This is initial one-time perk that makes the card very tempeting to pick up if you're making a large purchases. The sign up bonus is usually limited to saving up to $100 which is $500 in Macy's merchandise. Saving $100 on a purchase you were going to make is an awesome deal. I recommend making sure you actually shop at Macy's enough to make the Macy's Credit Card Benefits worth it.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Macy's AMEX and Macy's Store Card does not have an annual fee meaning you will not have to worry about trying to reach a certain amount of spend to make the card worth it. If you want the 20% off sign up bonus and don't care about obtaining high status in the program, you can run a few dollars through this card just to maintain Mary's Silver status and partake in a few extra benefits.

Authorized User Fee

There is no authorized user fee for adding additional users to the Macy's AMEX or Macy's Store Card. If you have friends or family that spend at Macy's, adding them as authorized user can help you reach Macy's Platinum Member status. This will allow everyone to earn 5% off Macy's purchases while maintaning that status assuming at least $1,200 a year in Macy's purchases are being put through the card.

Foreign Transaction Fee

The foreign transaction fee for the Macy's AMEX card is 3% meaning you do not want to use this card outside of the United States. Foreign transaction fees will eat away at your Macy's Star Rewards faster than you can earn them. If you're looking for cards to use internationally, you'll want to grab one with a 0% fee like any of the Capital One Credit Cards such as the Quicksilver Card or a travel card like the Barclay Uber Card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2019-04-06

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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