12
Benefits5
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: 005
Issuer: Citibank
Card Name: Macy's Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Macy's Purchases | 5x | Cash Back | Earns 5% back in Star Money on purchases at Macy's stores and macys.com for Platinum Star Rewards members (annual spend $1,200+ with Macy's Credit Card). | No Cap | |
| Macy's Purchases | 3x | Cash Back | Earns 3% back in Star Money on purchases at Macy's stores and macys.com for Gold Star Rewards members (annual spend $500-$1,199 with Macy's Credit Card). | No Cap | |
| Macy's Purchases | 2x | Cash Back | Earns 2% back in Star Money on purchases at Macy's stores and macys.com for Silver Star Rewards members (annual spend up to $499 with Macy's Credit Card). | No Cap | |
| Dining, Gas, Supermarkets | 2x | Cash Back | Earns 2% back in Star Money on eligible purchases at restaurants, gas stations, and supermarkets outside of Macy's for Macy's American Express Cardholders (Gold & Platinum Star Rewards tiers). | No Cap | |
| All Other Purchases | 1x | Cash Back | Earns 1% back in Star Money on all other eligible purchases made with the Macy's American Express Card outside of Macy's and bonus categories for Macy's American Express Cardholders (Gold & Platinum Star Rewards tiers). | No Cap |
Rewards Summary
PENDINGReward Type: Flexible Rewards
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x Supermarkets, 3x Gas Stations, 3x Dining, 3x Air Travel, 3x Hotels
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing. If your account is closed, points will expire 60 days after the closing date.
Point Value: 0.01¢
Travel Portal Multiplier: 1.25x
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue (Air France-KLM), JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Wyndham Rewards
Redemption Penalties: Points redeemed for cash back or gift cards may yield a lower value (e.g., 0.5 cents per point for cash back on some cards, or 1 cent per point for gift cards) compared to travel redemptions through the Citi Travel Portal or transfers to airline/hotel partners.
Benefits & Protections (Detailed) 12 Total
PENDINGLifestyle 4
Star Rewards Birthday Offer
Special offerMacy's Credit Cardholders, as Star Rewards members (starting at Silver tier), receive a special birthday offer.
Star Rewards Perks Access (Gold Tier)
Access to exclusive perksMacy's Credit Cardholders with Gold status gain access to exclusive Star Rewards Perks.
Star Rewards Perks Access (Platinum Tier)
Access to exclusive perksMacy's Credit Cardholders with Platinum status gain access to exclusive Star Rewards Perks.
Dedicated Platinum Customer Service
Dedicated customer serviceMacy's Credit Cardholders with Platinum status receive access to dedicated customer service.
Shopping 7
Accelerated Star Money Earning (Silver Tier)
2 points per $1 spentMacy's Credit Cardholders with Silver status earn 2 Star Points for every $1 spent on qualifying purchases at Macy's when using their Macy's Card.
Free Standard Shipping (Silver Tier)
Free standard shippingMacy's Credit Cardholders with Silver status receive free standard shipping on all qualifying purchases at Macy's when using their Macy's Card, with no minimum purchase required.
Star Money Bonus Days Access
Access to bonus earning daysMacy's Credit Cardholders, as Star Rewards members (starting at Silver tier), gain access to exclusive Star Money Bonus Days, allowing them to earn Star Money faster.
Accelerated Star Money Earning (Gold Tier)
3 points per $1 spentMacy's Credit Cardholders who achieve Gold status (by spending $1,200-$2,999 annually on their Macy's Card) earn 3 Star Points for every $1 spent on qualifying purchases at Macy's when using their Macy's Card.
Free Gift Wrap (Gold Tier)
Free gift wrapMacy's Credit Cardholders with Gold status receive free gift wrap on in-store purchases.
Accelerated Star Money Earning (Platinum Tier)
5 points per $1 spentMacy's Credit Cardholders who achieve Platinum status (by spending $3,000+ annually on their Macy's Card) earn 5 Star Points for every $1 spent on qualifying purchases at Macy's when using their Macy's Card.
Free Gift Wrap (Platinum Tier)
Free gift wrapMacy's Credit Cardholders with Platinum status receive free gift wrap on in-store purchases.
Status Benefits 1
Automatic Star Rewards Silver Status
Silver Tier StatusMacy's Credit Cardholders automatically achieve Silver status in the Macy's Star Rewards program upon opening a Macy's Credit Card, granting immediate access to Silver tier benefits.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$100
Cash BackRequirement: Spend $500 in 4 days
Timing: Savings applied at checkout on purchases made within the specified 'today and tomorrow' and 'next 2 days' periods.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the welcome bonus requires that you have not received a bonus for this specific card or any card within the same product family within the last 24 months. Application frequency is limited to one card application every 8 days and no more than two applications within a 65-day period. Applicants must meet Citibank's general creditworthiness criteria, including a strong credit history and sufficient income.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months (occasionally 6 months for specific offers)
Cliff Effect Rules: The 24-month rule applies across card families. If you receive a welcome bonus on any card within a specific product family (e.g., ThankYou points cards), you are ineligible for a bonus on another card within that same family for 24 months from the date the previous bonus was received. This rule is designed to prevent rapid churning within related card products.
Holiday Promos: Variable, often tied to major shopping holidays (e.g., Black Friday, Cyber Monday, year-end) or specific co-brand partnerships. No fixed schedule for generic cards.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Easy approval for Macy's shoppers, good discounts on Macy's purchases, exclusive store events and promotions.
Top Negative:
High APR, limited use outside Macy's, rewards only redeemable at Macy's, customer service issues.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Oct 26, 2023 00:00