Macy's Store Card Calculator

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.
Updated 2020-07-17 By Robert Flowers III

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.

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

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

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.

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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