Macy's Store Card Calculator

Card Details & 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.

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.

  • 2x-5x Macy's
    • Applies to spending at Macy's, Macy's Backstage, and
    • Mobile Wallets do not work properly with Star Rewards; you'll want to use the physical card to make purchases.
    • Total star rewards depends on your status in the Macy's Star Rewards Program:
      • Bronze: 1x (Non-Cardholders)
      • Silver: 2x
      • Gold: 3x
      • Platinum: 5x

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 and offers bonus Star Rewards Points on restaurant, grocery, and gas station purchases.

Perks & Benefits

The main benefit of the Macy's Store Card is full access to the Star Rewards Program.

  • Star Rewards Program Full Access

Sign Up Bonus (SUB)

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.


Annual Fee

The Macy's Card does not have an annual fee which means you'll always be earning a solid 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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
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Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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