Macy's

This card is built for regular Macy's shoppers who want simple store rewards without paying an annual fee. It works best as a retailer-specific card for Macy's purchases, not as a primary everyday card for broader spending.

Annual Fee

Rec. Credit Score

Excellent

Good For

Frequent Macy's shoppers

How to Apply Estimate your value

All information about Macy's has been collected independently by MaxRewards. Macy's is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Macy's worth it?

This card is great for...

Macy's purchases

No-annual-fee store rewards

Occasional in-store financing alternative

If you shop at Macy's often enough to value ongoing store rewards, this card is straightforward: you earn 2% back in Star Money at Macy's and 1% everywhere else, with no annual fee to offset. For loyal Macy's customers, that can be a reasonable way to get a little extra value from purchases you already planned to make.

For most readers, though, this is a secondary card at most. The rewards are tied to Macy's, there is no welcome bonus, and there are no listed benefits to broaden the card's appeal. If your goal is flexible rewards or stronger everyday earnings, a general cash-back card will likely be more useful.

MaxRewards Verdict

The Macy's card makes the most sense for shoppers who spend regularly with Macy's and want simple store-specific rewards. Outside that use, its low everyday return and lack of added perks limit its role.

Earning

Rewards

The rewards setup here is simple: higher earnings at Macy's, then a standard 1% back on everything else in Star Money. The key question is whether you shop at Macy's often enough for that extra store return to matter.

CategoryRate

Macy's

Everywhere

Rewards percent based on a valuation of 1¢ per Star Money point

Eligibility

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

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