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Macy's Credit Card with Star Pass Rewards
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The Macy's store credit card is linked to the Star Pass rewards program that is open to everyone. The added incentive to paying with this credit card is the potential to unlock the gold and platinum rewards that give free shipping and 5% extra star passes on purchases respectively.

Cardholders start at silver star pass level and gain Star Pass Days, which are coupons worth 25% off your entire purchase. After reaching a spending threshold of $500 in a year card members unlock gold status that gives 3% back on purchases. Similarly cardholders can spend $1,200 in a year to enable Platinum status that gives 5% back on purchases.

Annual Percentage Rate (APR)

Interest Rate for Purchases: 25.24%
Minimum Amount of Interest Charged When You Carry a Balance: $2.00

Credit Card Fees

No Annual Fee
Late Payment and Returned Payment: Up to $40.00

Sign-up Bonus and Benefits

20% off all purchases for two days after account is approved. Savings limited to $100.

Star Pass Reward Membership Levels

  • Silver: 25% off coupon for Star Pass Days
  • Gold: Free shipping on all orders
  • Platinum: Earn an additional 5% Star Pass rewards on purchases

Annual Spending Requirements

per membership level
  • Silver: automatic enrollment upon account approval
  • Gold: $500
  • Platinum: $1,200

Star Pass Rewards

  • Issued in increments of $10 which is worth 1,000 points
  • Expire 30 days after being issued
  • Can only be used at Macy's point of sale registers and online at
  • Must make one purchase a year to keep account active and retain accumulated points


Apply Online or In-store
Macy's Card Issuer: Department Stores National Bank
Where Can I Use This Card? At all Macy's locations and over the Internet at
Pay Your Bill Online

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