Macy's Store Card | Review & Star Rewards Calculator

Macy's Card

Card Review & Star Rewards Calculator
2%-5% Macy's
Macy's Star Rewards Access

Review the benefits of the Macy's Store Card, calculate how many Star Rewards Points you can earn based on spend, and compare against top rewards cards.

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The Macy's Card is a great choice if you commonly find yourself shopping at Macy's. This store card earns anywhere from a 2% to 5% return on Macy's spend while also giving you full access to the Macy's Rewards program. Within the program, each tier is based off of how much you're spent in a calendar year at Macy's with the Macy's or Macy's AMEX Card.

Bonus Categories

The Macy's Store Card earns Star Rewards Points when used at Macy's. There's no limit to the amount of bonus points you can earn using the card.

2%-5% Macy's

Depending on your status in the Macy's Rewards Program, you will earn 2x to 5x Star Rewards Points (2%-5%) per $1 spent. This includes purchases at Macy's, Macy's Backstage, and The table below lists the amount of Star Rewards Points you'll earn based on your tier in the program.

Annual Macy's Spend
Points Earned
Per $1 Spent
<$499 Spend
$500-$1,199 Spend
>$1,200 Spend

Macy's Silver status only earns a 2% return which can easily be matched with a 2% cash back credit card or a card that earns cash back on department spend like the no-annual fee AMEX Blue Cash Everyday.

The returns that matter will come from having Macy's Gold and Macy's Platinum status in which you'll earn a 3% or 5% return on your spend. These type of returns on Macy's spend are pretty hard to beat. If you spend $500 or more at Macy's to easily obtain either of these statuses, you should consider picking up the Macy's Store Card.

0x Non-Category

The Macy's Store Card does not have a network associated with it (Visa, Mastercard, etc.), so it cannot be used outside of spending at Macy's. If you want to earn Star Rewards Points on all purchases, you'll want the Macy's AMEX Card which can be used anywhere AMEX is accepted. The card also offers bonus Star Rewards Points on restaurant, grocery, and gas station purchases and has no annual fee.

Perks and Benefits

The Macy's Card gives you full access to the Macy's Rewards Program. Those without a Macy's credit card will be stuck at Bronze status no matter how much is spent at Macy's. Full access to the rewards program comes with the ability to reach higher cardmember tier status and obtain the following benefits:

  • 25% Off Any Day w/ Star Passes
  • Free Shipping w/ No Minimum
  • 2%-5% Back On Macy's Spend

Sign Up Bonus

The sign up bonus for the Macy's Card will vary depending on the holidays, season, and everything else under the sun. The most common sign up bonus is 20% off your first purchase with Macy's, up to $100 back. That means you can get rewarded on up to $500 in spend. Make sure you have a large purchase in mind before you apply since the sign up bonus is usually only good for the first day or two that you receive the ability to use the card.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Macy's Card does not have an annual fee which means you'll always be earning a 2% to 5% return on your Macy's spend. Be sure to pay off your statement balance in full every month otherwise the interest will eat away your rewards and your happiness.

Authorized User Fee

There is no fee to add authorized users to the Macy's Card. If you have family or friends that spend their hard earned bucks at Macy's, consider adding them as it can earn you more rewards and help to earn/maintain Macy's Gold or Platinum cardmember status.

Foreign Transaction Fee

The Macy's Card is a store card with no network and thus cannot be used internationally. The foreign transaction fee is not applicable.

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.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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: 2020-02-14
Written By: Robert Flowers III

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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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