Macy's AMEX Card Calculator

Review the benefits of the Macy's AMEX Card, calculate how many Star Rewards Points you can earn based on spend, and compare against top rewards cards.
Updated 2020-07-17 By Robert Flowers III

The Macy's AMEX Card is a great choice if you're looking to earn a great return on purchases made with Macy's. Along with the return, you'll also have full access to the Macy's Star Rewards Program which grants you benefits based on how much you spend at Macy's in a calendar year. This includes free shipping, 25% off Star Passes, and various additional perks over the course of the year. If you enjoy shopping at Macy's, I highly recommend picking the card up.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Macy's AMEX Card features four bonus categories which are Macy's, restaurants, gas stations, and supermarkets. There's no limit to the amount of bonus points you can earn spending across these bonus categories and no limit to the amount of points you can earn with the card overall.

  • 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
  • 3x Restaurant
  • 2x Supermarkets
  • 2x Gas Station
  • 1x Non-Category

Perks & Benefits

Outside of earning Star Rewards Points on purchases outside of Macy's, the main benefit of the Macy's AMEX Card is full access to the Star Rewards Program.

  • Star Rewards Program Full Access

Sign Up Bonus

The standard sign up bonus for the Macy's AMEX Card will vary depending on holidays, promotions, and other happening in the world. The most common bonus is savings 20% off your first purchase with the Macy's Card, up to a total savings of $100. That means you can save on up to $500 in Macy's spend which is a pretty good deal. Just be sure that you have a large purchase lined up before you apply for the card.


Annual Fee

The Macy's AMEX does not have an annual fee. This means you'll always earn a great return when using the card assuming you pay the statement balance in full every month. The card has a high interest rate so if you don't want your rewards to be eaten alive, exercise a $0 balance by paying your entire monthly statement.

Authorized User Fee

There is no authorized user fee for adding additional users to the Macy's AMEX Card. If you have friends or family that spend money at Macy's, adding them as authorized user can help you reach higher cardmember tiers in the Macy's Star Rewards Program as well as earn more Star Rewards Points.

Foreign Transaction Fee

The foreign transaction fee for the Macy's AMEX card is 3%. This means you'll be penalized every time you use this card for international purchases.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
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.
Search Results Display Here
Category 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.
Type at least 3 characters.
Currently Selected:
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 rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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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