Macy's Rewards

Details on earning and redeeming Star Rewards with Macy's. Calculate total Star Rewards Points based on spend and the cash value based on redemption.
Updated 2020-02-14 By Robert Flowers III

Macy's is an American department store chain headquartered in Cincinnati, Ohio. They have over 800 stores throughout the United States as well as stores in the U.S. territories of Puerto Rico and Guam.

The Macy's Star Rewards Program is a great for anyone that spends a good amount of money on purchases at Macy's, Macy's Backstage, and online at The program features a 4-tier rewards structure in which 3 of the 4 tiers are only available to those who have the Macy's AMEX Card or Macy's Store Card. Moving up to the higher tiers in the Macy's Star Rewards program will require you to run spend through the Macy's credit cards. You'll still be able to earn Star Rewards without a Macy's credit card, but you will earn a low return and will not be able to experience the full benefits the program offers.

Macy's Credit Card Calculators

Learn about the earning rates, benefits, sign up bonus, and annual fees of Macy's credit cards. Calculate how many Macy's Star Rewards Points you can earn based on your spend and compare the results side by side any cards featured on the site.

Macy's AMEX Card

Macy's AMEX Card Calculator

Earns 2 to 5 Macy's Star Rewards Points based on status with Macy's, 3 points per $1 on restaurant purchases, 2 points per $1 on supermarket and gas station purchases, and 1 point per $1 spent everywhere. The card offers full access to the Star Rewards Program. No annual fee.
Macy's Store Card

Macy's Store Card Calculator

Earns 2 to 5 Macy's Star Rewards Points based on status with Macy's. Cannot be used outside of Macy's. The card offers full access to the Star Rewards Program. No annual fee.

Macy's Star Rewards Tiers

Macy's has a 4-tier rewards program. Each tier you unlock will grant additional benefits when shopping at Macy's with the most rewarding benefit being that you'll earn more back in rewards when spending money at Macy's. If you earn Macy's Gold or Platinum status, it will be good for the remainder of the year and the entire following year. You'll need to re-qualify for Macy's Gold and Platinum status every year by meeting the required spend. The section below lists the benefits associated with each tier in the Star Rewards program.

macy's rewards tiers

Macy's Bronze Member

When you sign up for a Macy's Star Rewards account as a non-Macy's credit card holder, you will be given Macy's Bronze status. You'll earn the following benefits as a Bronze member:

  • 1% Back On Macy's Spend
  • Star Money Bonus Days
  • Perks & Offers
  • Birthday Surprise

Even though you'll be earning a low amount of rewards, earning 1% is better than earning 0% so I still recommend signing up for a Macy's Star Rewards account if you plan on shopping at Macy's. Plus, you'll be able to earn bonus Star Money as well as receive various perks & offers that can help save you money in the long run. If you've made at least one purchase with your Macy's account within the past 12 months, you'll receive a birthday gift too.

Macy's Silver Member

In order to become a Macy's Silver member, you'll need to own a Macy's credit card and spend at least $1 on the card annually. Macy's Silver comes with the same benefits as Macy's Bronze, but you'll also receive the following benefits:

  • 2% Back On Macy's Spend
  • Macy's Star Passes

The boost to 2% is nothing special as you can earn a 2% return using a simple 2% cash back credit card, but the Macy's Star Passes is an cardholder exclusive worth your attention. You can use Star Passes to save 25% off any day that you choose. Even if you only make a few purchases with Macy's per year, access to Star Passes can easily be worth it since Macy's credit cards have no annual fee.

macys bronze coupons
You'll receive coupons and offers when you sign up for a Macy's Star Rewards account.

Macy's Gold Member

You'll become a Macy's Gold member when you spend more than $500 across a Macy's Credit Card during the calendar year. Gold comes with the benefits of Macy's Silver along with the following additional benefits:

  • 3% Back On Macy's Spend
  • Free Shipping w/ No Minimum

Earning 3% back on spend at Macy's is a pretty good return that's hard to beat using other rewards cards. You can also save a great deal of money with the free shipping benefit as no one enjoys paying for shipping. If you do note live in the contiguous 48 states (Hawaii, Alaska, Guam, Puerto Rico, etc.), you will be hit with a $10 shipping surcharge on domestic orders. Just something worth noting if it applies to you.

Macy's Platinum Member

You'll be come an elite Macy's shopper once you arrive at Macy's Platinum status. This coveted status is earned by spending $1,200 per calendar year at Macy's. Platinum comes with the benefits of Macy's Gold status along with one additional benefit:

  • 5% Back On Macy's Spend

When you use a Macy's credit card for purchases at Macy's, you'll receive a return of 5% which is superb. As a Platinum member, you'll also receive the best value when it comes to the annual birthday gift, deals, and various other promotions.

Macy's Rewards Points Value

As you spend money at Macy's as a Star Rewards member, you'll start to build Star Rewards Points. Once you hit 1,000 Star Rewards Points, you'll automatically be given $10 in Star Money. Star Money is currency that can be used when shopping at Macy's for everything but gift cards, services, and fees. Star Money expires 30 days after it is received so you'll want to keep a close eye on your Macy's account.

Macy's Star Rewards Points Value Calculator

Use the Macy's Star Rewards Points Value Calculator to calculate the cash value of Star Rewards Points earned in the Macy's Rewards program. It will also output how many $10 Star Money certificates you can earn based on the number of points entered.

Macy's Star Rewards Points Value Calculator

Enter any amount of points to see the average cash value.
$10 Star Money Certificates
1,000 Points
0 Certificates
Points Value
1 Cent Each


How does Macy's Star Rewards work?

Star Rewards members will earn points for every $1 spent at Macy's. The amount of points earned will depend on status within the program. You'll need to be a Macy's Credit Card holder to have full access to the program.

Is the Macy's Star Rewards Free?

Yes. There is no cost to join the Star Rewards Program. You'll need a Macy's Credit Card to have full access to the program, which has no annual fee as well.

How do you earn Macy's Star Rewards?

You'll receive 1 point for every $1 you spend as a non-Macy's credit cardmember. Cardmembers will receive 2 to 5 points depending on status level which is based on annual spend at Macy's.

Do you get a discount for using Macy's credit cards?

No. The Macy's Card offers the ability to earn Star Points per $1 spent. Typically, the only discount you will receive is the one offered when you first sign up for the card and make your first Macy's purchase.

What is the tier in the Macy's Star Rewards Program?

The highest tier is Macy's Platinum which is obtained by spending $1,200 at Macy's per calendar year.

Is the Macy's Credit Card worth it?

If you shop at Macy's, yes. The Macy's credit cards have no annual fee and they offer an easy 2% to 5% return on your Macy's spend along with additional perks and benefits.

Does Macy's accept American Express?

Yes. Their co-branded credit card is even part of the American Express network.

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