Program ID: macys-star-rewards-visa-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:49

Last Scraped: Feb 17, 2026 05:51

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x at Macy's (Platinum tier), 3x at Macy's (Gold tier), 2x at Macy's (Silver tier), 2x on gas and supermarket purchases

Quarterly Rotating: No

Expiration Policy: Star Rewards points expire 12 months from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Star Money expires 30 days from issuance. Star Money is issued in $10 increments for every 1,000 points earned.

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

Purchase APR: 30.74% - 30.74%

Cash Advance APR: 31.74%

Intro APR Offers

Promo Financing: Deferred Interest

Rules: For 2026, the Macy's Star Rewards Visa Card from Synchrony Bank is expected to maintain its core structure. Eligibility requires applicants to be 18 years or older (19 in AL and NE), possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be a U.S. resident. Approval is subject to Synchrony Bank's credit assessment, typically requiring fair to good credit for the Visa version. New cardholders often receive an initial sign-up bonus, such as a percentage discount (e.g., 20%) on Macy's purchases made on the day of approval or within a specified timeframe. The card earns Macy's Star Rewards points on Macy's purchases (e.g., 5 points per $1 for Platinum, 3 for Gold, 2 for Silver) and on eligible purchases outside Macy's (e.g., 2 points per $1 on dining, gas, and supermarkets; 1 point per $1 on all other eligible Visa purchases). Points convert to Macy's Star Money rewards, typically $10 for every 1,000 points. Cardholders often receive Gold status in the Star Rewards program upon approval, granting benefits like free standard shipping on Macy's purchases, birthday offers, and exclusive savings events.

Max Cards Per Issuer: 3

Min Spend Interval: Immediate (for initial discount); Ongoing (for points accrual)

Cliff Effect Rules: The Macy's Star Rewards program operates on a tiered system (Silver, Gold, Platinum) based on annual spending at Macy's. The Visa card typically grants Gold status upon approval. Failure to meet annual spending thresholds (e.g., $500 for Gold, $1200 for Platinum) can result in a downgrade to a lower tier, leading to a loss of associated benefits such as higher earning rates, free shipping, and exclusive offers. This tier degradation represents the primary 'cliff effect' for this card.

Special Events: Macy's Friends & Family Sales, One Day Sales (ODS), Black Friday/Cyber Monday, Semi-Annual Sales, VIP Shopping Events, Star Money Bonus Days.

Holiday Promos: Valentine's Day, Mother's Day, Father's Day, Memorial Day, 4th of July, Labor Day, Columbus Day, Veteran's Day, Black Friday, Cyber Monday, Christmas/Holiday Season, Post-Holiday Clearance.

International Friendly: No

User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Excellent rewards and discounts for frequent Macy's shoppers; easy approval for the basic store card; good for building credit.

Top Negative:
Frequent complaints about Synchrony customer service; high APR; unexpected credit limit decreases or account closures; limited rewards outside of Macy's for the Visa version.

Approval Experience: 65.0 / 100

Recommended Alternatives

• Amazon Prime Rewards Visa Signature Card
• Capital One SavorOne Cash Rewards Credit Card
• Citi Double Cash Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $230.00

Approval Probability: 75.0%

Version ID: 2023-10-01

Last Updated: Oct 01, 2023 00:00