The Macy's Credit Card is tailored for regular Macy's shoppers looking to earn rewards on department store purchases without paying an annual fee. While it can be used for everyday expenses, its earnings structure is distinctly focused on driving savings at Macy's.
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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Macy's store purchases
No-annual-fee department store rewards
For devoted Macy's customers, earning Star Money on apparel, home goods, and beauty products offers simple, recurring savings on future store visits. Because the card has no annual fee, keeping it in your wallet costs nothing as long as you pay off your statement in full each month.
Outside of Macy's, however, the card's 1% return is underwhelming. Most everyday cardholders will get far more value from a standard flat-rate cash back card that yields 2% on all purchases with complete redemption flexibility.
This card is a convenient companion for dedicated Macy's loyalists, but most spenders would be better served by a flat-rate cash back card for non-Macy's purchases.
Earning
Purchases earn Star Money points, offering a higher reward rate when shopping at Macy's and a baseline rate on everything else.
Macy's
Everywhere
Rewards percent based on a valuation of 1¢ per Star Money point
Benefits
American Express
Save with special offers on shopping, dining & more.Get early access to premium tickets for concerts, theater, sports and more, all year round.Unlock exclusive travel benefits with your card.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
75,000 Points
Worth $1,125
After you spend $6,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$595
Rec. Credit
Excellent
80,000 Miles
Worth $1,120
After you spend $8,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$695
Rec. Credit
Excellent
75,000 Miles
Worth $1,050
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
Annual Fee
$99
Rec. Credit
Excellent
