Program ID: macys-star-rewards-mastercard

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:46

Last Scraped: Feb 17, 2026 05:49

Reward Type: Star Points

Base Rate: 1x

Bonus Rate: 6x

Categories: Macy's purchases

Quarterly Rotating: No

Expiration Policy: Star Points do not expire as long as your account is open and in good standing. Star Money rewards expire 30 days from issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Star Money cannot be used for gift cards, services, or at restaurants, or for certain brands/departments. Star Money is not redeemable for cash.

Extended 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

Standard APR

Intro APR Offers

Rules: The Macy's Star Rewards Mastercard, issued by Synchrony Bank, offers ongoing rewards rather than a traditional sign-up bonus with a spend requirement. New cardholders typically receive an initial discount (e.g., 20% off up to $100) on their first day's purchases at Macy's. Eligibility requirements for 2026 include: applicant must be 18 years or older (19 in AL and NE), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a U.S. mailing address, and generally demonstrate good to excellent credit history (typically FICO score 670+) for approval. Approval is subject to Synchrony Bank's credit underwriting standards. Rewards are tiered based on annual Macy's spend: 2-5% back in Star Rewards points on Macy's purchases, 2% on restaurant and supermarket purchases, and 1% on all other eligible purchases everywhere Mastercard is accepted. Points convert to Star Money.

Max Cards Per Issuer: 5

Min Spend Interval: Initial discount applies to first day's purchases. Ongoing rewards are earned continuously, with no specific minimum spend interval for a bonus. Tier qualification for Star Rewards is based on annual spend.

Cliff Effect Rules: The Macy's Star Rewards program operates on a tiered system (Silver, Gold, Platinum) based on annual Macy's spend. The Mastercard version typically starts cardholders at Gold or Platinum tier benefits, depending on initial credit limit and spend. A 'cliff effect' occurs if annual Macy's spend drops below the threshold for a higher tier (e.g., below $1,200 for Platinum or $500 for Gold), resulting in a downgrade of benefits (e.g., fewer Star Money Bonus Days, loss of free shipping without minimum purchase) for the subsequent year.

Special Events: Macy's frequently hosts special events such as Friends & Family sales (offering significant discounts), Star Money Bonus Days (earning extra Star Money on specific purchases), Macy's Money promotions, beauty events, home sales, and personalized birthday offers for cardholders.

Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (November), the broader Christmas/Holiday Season (December), Mother's Day (May), Father's Day (June), and major national holiday sales like Memorial Day (May), 4th of July (July), Labor Day (September), and Back-to-School (August).

International Friendly: No

User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Initial sign-up discounts and rewards for Macy's purchases; Good for loyal Macy's shoppers to earn extra rewards; Relatively easy to get approved for those with fair credit.

Top Negative:
High APR compared to general-purpose cards; Rewards are primarily limited to Macy's purchases; Customer service can be inconsistent.

Approval Experience: 75.0 / 100

Recommended Alternatives

• Capital One QuicksilverOne
• Discover it Cash Back
• Amazon Prime Rewards Visa Signature

Card Value Score: 65.0 / 100

Est. Annual Rewards: $85.00

Approval Probability: 75.0%

Version ID: v1.0