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.
|Authorized User Fee|
|Foreign Transaction Fee|
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 macys.com.
- 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
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.
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.
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.