Citi
Macy’s Credit Card
Estimated value every year on typical spending
$173/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi Macy’s Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $173 a year on typical spending.
Its rewards are Macy's Star Money, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- 3%
- Rewards paid as
- Macy's Star Money · counted at half value
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- The Macy’s Credit Card allows cardholders to earn points on purchases at Macy’s, with different earning rates based on membership status
Sign-up bonus
30% off macys.com purchases today
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are Macy's Star Money, so we count them at half value)
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $400/mo on dining earns about $58/year (1.2000000000000002x).
- $1200/mo on everyday spending earns about $58/year (0.4x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Macy’s Credit Card: questions people ask
Is the Citi Macy’s Credit Card worth it?
With no annual fee, the Citi Macy’s Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $173 a year on typical spending.
What is the Citi Macy’s Credit Card annual fee?
The Citi Macy’s Credit Card has no annual fee ($0).
What is the Citi Macy’s Credit Card welcome bonus?
30% off macys.com purchases today. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Citi Macy’s Credit Card earn?
The Macy’s Credit Card allows cardholders to earn points on purchases at Macy’s, with different earning rates based on membership status.
What credit score do you need for the Citi Macy’s Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi Macy’s Credit Card charge foreign transaction fees?
Yes: 3%.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.