You have 30 days to use your Star Money, otherwise it expires. You may be wondering whether you qualify for Silver, Gold or Platinum loyalty status.
Every new credit card account begins with Silver status by default. Then, you are reevaluated every calendar year to determine your status for the following year. If your spending increases quickly enough, your status can be upgraded within seven days. The Macy's Credit Card comes with additional benefits that improve as you rise through each loyalty status.
All levels receive a birthday surprise and promotional offers on Macy's purchases. There are also Star Money Bonus Days that allow customers to accumulate extra points. Perhaps the most enticing benefits come at the Gold and Platinum levels, which tack on the added luxury of free shipping with the use of your Macy's Credit Card.
Comparing the Macy's store card with the Macy's American Express Credit Card can be dizzying, since the cards are so similar. The most important detail to remember is that the Macy's American Express Credit Card delivers the same rewards as the Macy's Store Card, but also offers the added ability to spend and redeem points at the gas pump, at grocery stores, at restaurants and everywhere else.
If you are someone who shops at Macy's at least once a month, or even once every three months, the Macy's store card comes with some serious benefits that keep cash in your wallet.
However, because Star Money expires within 30 days after you earn it, this is not the kind of card meant for people who prefer to save up their rewards for something big. If you're unsure whether you will shop at Macy's enough to make the store credit card worth it, CNBC Select recommends finding a cash-back card that lets you apply your points to spending of every kind and make the most of your rewards.
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Learn more about how we review products and read our advertiser disclosure for how we make money. The card has no annual fee, and it does come with some nice shopping and travel perks. The Macy's American Express Card is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options. With this card, you'll earn a higher rewards rate at U. This card also gives you access to travel benefits that can help you save money, such as flight, rental car, and hotel discounts.
With most credit cards that offer a bonus, you have to spend a certain amount within the first few months of opening an account to qualify. While that's a decent bonus for a card with no annual fee, other cards offer more generous bonuses. Star Money rewards can't be used to purchase gift cards or Beauty Box subscriptions.
So use the card whenever you dine out, grocery shop, or fill up your car to earn more points for your routine expenses. Power's U. Credit Card Satisfaction Study.
Citibank scored out of 1, in that study, compared with the national average of The Macy's credit card customer service team can be reached by calling An automated system is available 24 hours a day. However, customer support is only available to answer questions Monday through Saturday from 9 a.
EST and Sunday from 11 a. If you have a problem with your account after hours, you may find the limited customer support frustrating. The card has standard security features, such as liability protection and chip technology.
The card also offers extra perks like special discounts, free shipping for select cardholders, and travel benefits. Plus, it has no annual fee. If you don't meet that threshold, you won't earn any rewards at all on your Macy's purchases. And, the rewards expire 30 days after being issued, so you risk losing your rewards entirely.
As an alternative, you might want to sign up for a general rewards card like the Citi Double Cash card. Your rewards won't expire as long as you use your card at least once every 12 months. Click the buttons below to navigate directly to that section. It rewards frequent shoppers of the retailer with store credit that can be used on future purchases. But like most store cards, it should be paid in full every month as it carries a significant APR.
The online portal also allows you to track your purchases and manage your account.
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