Everything To Know About Macy's Star Rewards Points

Store Rewards Calculators
Get the details on earning and redeeming Macy's Star Rewards Points and calculate how many you can earn and their cash value.
Last Updated 2022-05-20 By R.Flowers III

The Macy's Star Rewards program is a great option if you frequent shop in-store or online with Macy's. As a member, you can earn up to a 5% return on your spend, but you must be a Macy's credit card holder to get the most out of the program.

Earning Star Rewards points

Star Rewards points are earned when shopping in-store or online with Macy's as a Star Rewards member. You can also earn points using Macy's credit cards.

Earning points shopping at Macy's

Macy's Star Rewards members will earn anywhere from 1% to 5% back when shopping in-store or online with Macy's. The amount of rewards you earn is based on your membership level in the Star Rewards program.

Membership Level How To Earn Points earned
Bronze Earned after signing up for an account 1
Silver Spend $1 - $499 at Macy's with a Macy's credit card 2
Gold Spend $500 - $1,199 at Macy's with a Macy's credit card 3
Platinum Spend $1,200 or more at Macy's with a Macy's credit card 5

If you're not a Macy's credit card holder, you will not be able to earn more than 1 point per $1 spending at Macy's.

Earning points with Macy's Cards

Macy's offers two cards that you can use to unlock the full potential of the Star Rewards program: Macy's Card and Macy's American Express Card.

Macy's Card

The Macy's Card is a store card that basically grants you the ability to earn Silver, Gold, and Platinum status in the Macy's Star Rewards program based on how much you spend at Macy's.

It's a great option if you normally spend a good deal of money at Macy's, especially if you spend at least $500 a year which will grant you Gold status. This is where the membership starts to get more valuable as you'll earn 3% back on Macy's purchases and get free shipping with no minimum purchase amount.

Macy's American Express Card

The Macy's American Express Card is a rewards credit card that not only grants you access to the full Star Rewards program, but also allows you to earn Macy's Star Points on purchases outside of Macy's.

With the Macy's AMEX, you'll earn 3% back in rewards at restaurants (including food delivery), 2% back in rewards at gas stations & supermarkets, and 1% back in rewards everywhere else.

While the ability to earn Macy's Rewards points across all purchases is great, there are credit cards that can earn you an equal or higher return on your spend with rewards that can be used for more than just Macy's.

For example, the Blue Cash Preferred from American Express earns 6% back on the first $6,000 in U.S. supermarket spend per year. If you were to spend $500 a month at U.S. supermarkets with the Macy's AMEX Card, you would earn $180 in Star Rewards whereas the Blue Cash Preferred would earn you $360 in cash back that can be redeemed towards just about anything, including Macy's purchases.

Macy's Star Points Calculator

Input how much you spend at Macy's to find out how many Star Rewards Points you can earn. Remember that you will need to own a Macy's credit card to reach Silver, Gold and Platinum status.

Enter how much you spend at Macy's per calendar year.
Per Year
Star Rewards Points earned as a non-cardholder points
Star Rewards Points earned as a Macy's credit card holder points

How to redeem Star Rewards points

Once you earn 1,000 Star Rewards points, they will be automatically redeemed for $10 in Star Money. Star Money is worth face value, so $10 in Star Money is equal to $10 in cash value in-store or online with Macy's.

Star Money can be used when shopping at Macy's for everything but gift cards, services, and fees.

Once converted to Star Money, you will have 30 calendar days from issuance to use it before it expires.

Convert Star Rewards points to Star Money

Use the Macy's Point Calculator to convert Star Rewards points into Star Money. This will give you an idea of how much your points are worth.

Enter any amount of Macy's Star Rewards points to calculate the dollar value.
Redemption Average Dollar Value
$10 Star Money Certificates 0 Certificates
Points Value $0


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.

Calculate Total Rewards & Credit Card Value For 200+ U.S. Credit Cards
Credit Card Search
Maximize your credit card rewards!
Our Credit Card Rewards calculator can help you find the credit cards that will earn you the most points, miles and cash back based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let our tool do the work for you!