Citi · Store card (closed-loop, Macy's/Macy's Backstage/macys.com only)
Macy's Credit Card
No annual fee · no published rate on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Department stores | 2x | uncapped |
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Non-cash perks
- Free shipping tied to Star Rewards tier ($25 minimum for Silver; no minimum for Gold/Platinum)
- Macy's App and Macy's Pay integration for in-store checkout
- Access to Star Rewards Double/Triple Points shopping events
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Citi
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · www.firstcard.app. Spot an error? Tell us.