THE CARDTUNED DATABASE
Macy's Credit Cards
Issuer: Citi · Network: Varies
Earn points on eligible Macy's purchases; rates and benefits vary by card version and Star Rewards status
- Annual fee
- $0
- Foreign transaction fee
- Varies: 3% for Macy's American Express; Not Applicable for Macy's store card
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
30% off eligible macys.com purchases on the approval day; in-store discount varies; maximum $100 total savings.
- Spending requirement
- Not publicly disclosed
- Time window
- Not publicly disclosed
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 2X | , 3X, or 5X Star Rewards points on eligible Macy’s purchases at Silver, Gold, or Platinum card status, respectively. |
| Dining & Groceries & Gas | 3X | Macy’s American Express version also earns 3X at U.S. restaurants, 2X at U.S. supermarkets and gas stations, and 1X on other eligible outside-Macy’s purchases. |
Additional benefits
• Every 1,000 points generates a $10 Star Money reward.
• Macy’s American Express version also earns 3X at U.S. restaurants, 2X at U.S. supermarkets and gas stations, and 1X on other eligible outside-Macy’s purchases.
• Silver cardmembers receive free standard shipping with a $25 minimum; Gold and Platinum cardmembers receive free standard shipping with no minimum on eligible orders.
• Cardholders can receive Star Passes, birthday surprises, and member-exclusive offers.
Restrictions to know
Current online opening offer is 30% off eligible macys.com purchases on the approval day, with in-store discount varying and total savings capped at $100; immediate approval is required. All new Macy’s cards start at Silver status. Gold requires $500–$1,199 and Platinum $1,200+ in annual Macy’s Card spend. Gift cards, services, fees, tax, returns, and other excluded purchases do not earn points. Star Money expires 30 days after issuance. Outside-Macy’s rewards apply only to the Macy’s American Express version, not the closed-loop store card.
Who can apply
Subject to Citi approval; the issued Macy's network or store-card version depends on creditworthiness and current application rules.
Credit profile: Not Public / issuer underwriting applies