How to Earn and Save with Macy’s Star Rewards • budget FASHIONISTA

When you’ve been round Sfr-Recent for some time, you realize I often suggest the strategic use of retailer loyalty packages to economize.

My mission for right this moment: Empower you to make use of Macy’s Star Rewards to your profit as we head into the vacation purchasing season. Why Macy’s? As a result of it’s a division retailer that carries garments, magnificence, and an enormous assortment of potential presents. And meaning you’ll be able to leverage the core premise of loyalty: You get extra once you spend extra.

To make clear, I’m not recommending you spend solely to earn loyalty credit. I’m recommending you get strategic about the place you purchase issues — so that you just’re producing extra perks from the identical purchases you’d usually.

Learn on for the whole obtain on the Star Rewards program, together with tips on how to earn and use rewards, tips on how to test your factors stability, what Star Cash is price, and extra.

What are Star Rewards at Macy’s?

Loyal shopper shops in department store to represent Macy's Star Rewards.
Supply: Envato.

Star Rewards is a loyalty program that permits you to earn 1% to five% on each buy, besides reward playing cards, providers, and charges.

There are 4 tiers to this system: bronze, silver, gold, and platinum. You qualify for a tier primarily based in your annual spend with Macy’s and whether or not you’ve a Macy’s bank card. The silver, gold, and platinum tiers require you to be a Macy’s cardholder. When you don’t have or need the shop’s bank card, you is usually a Bronze Star Rewards member at no cost.

Observe that your Star Rewards membership doesn’t preclude you from benefiting from different reductions. For example, you’ll be able to join emails and get an additional 25% off. You may ought to mix that sort of low cost with loyalty earnings for max financial savings. Actually, you may enroll immediately — as a result of within the course of, you’ll be able to test a field to hitch Star Rewards and entry the perks and advantages instantly.

The earnings charges, perks, and affords of every rewards tier are defined beneath. Earlier than we get into these particulars, although, let’s make clear the distinction between Star Rewards and Star Cash.

Star Rewards

Star Rewards is the identify of this system AND the identify of the credit you earn in your purchases. Star Rewards factors are transformed into $10 of Star Cash when your stability reaches 1,000 factors.

Star Rewards expire should you don’t make a qualifying buy below your membership inside 12 months. These factors may also expire should you shut your Macy’s bank card.

Star Cash

Star Cash is retailer credit score, issued as $10 for 1,000 Star Rewards. You employ can use Star Cash rewards to buy Macy’s on-line or in-store, with some exclusions. You can’t use Star Cash:

  • To buy Macy’s reward playing cards
  • To pay for providers and charges
  • To trade for money
  • To pay for an order that may ship exterior the U.S.
  • As a cost in your bank card account

If you wish to use Star Cash on furnishings or mattresses on-line, it’s important to name Macy’s customer support first.

Star Cash expires 30 days after issuance. It is a tough wrinkle, frankly. It forces you to be considerate in regards to the timing of your purchases. When you’re near the 1,000 level threshold, purchase solely sufficient to recover from the hump. The concept is to carry again so you’ve one thing to purchase together with your Star Cash credit score. When you don’t, you’ll both let the $10 in Star Cash expire or make a purchase order you don’t want. Higher to keep away from each these outcomes.

To redeem Star Cash in a Macy’s retailer, store together with your Macy’s bank card or give the cashier the telephone quantity in your Star Rewards account. Don’t use self check-out or an digital pockets as these don’t help the usage of Star Cash.

To redeem Star Cash at, store together with your Macy’s bank card or log into your on-line account and hyperlink your Star Rewards membership to your pockets. Each strategies ought to provide the choice to make use of Star Cash at checkout.

Star Rewards Bronze

You may develop into a bronze member of Star Rewards with out opening or utilizing a Macy’s bank card. There may be additionally no minimal annual buy requirement for this standing stage.

Bronze is the appropriate choice for many customers — particularly you probably have a historical past of overspending on credit score. When you let balances roll over, any rewards you earn by overspending can be rapidly offset by curiosity expenses.

As a bronze member, you’ll earn 1% again in your purchases. The behind-the scenes math is that this: You accumulate factors at 1 level per $1 spent. And, 1,000 factors are price $10. That nets to 1% rewards.

Bronze members additionally get the essential Star Rewards advantages obtainable to all members, that are:

  • A “birthday shock”
  • Entry to Star Cash Bonus Day (extra on these beneath)

Star Rewards Silver

Silver members store with a Macy’s bank card and spend $1 to $499 in annual Macy’s purchases. In addition they earn 2% again on their purchases, or 2 factors per greenback spent, plus 25% off Star Passes. Star Passes are additional reductions that Macy’s sends out to members periodically.

Star Rewards Gold

Gold members are Macy’s cardholders who spend $500 to $1,199 in annual purchases at Macy’s. In return for the additional buying exercise, Goldies earn 3%, or 3 factors for each greenback spent. Additionally, Gold members will obtain Star Passes and qualify at no cost commonplace transport on on-line purchases with no order minimal. Consider this because the Macy’s equal to Amazon Prime, solely you’ve the bank card account in lieu of a membership price.

The free transport perk makes the gold stage a pleasant choice for anybody who’s disciplined about paying off bank card balances month-to-month. That’s, assuming you want purchasing Macy’s sufficient to spend $500 a yr. Looks as if you may simply cowl that threshold shopping for underwear and vacation presents.

Star Rewards Platinum

Spending greater than $1,200 yearly utilizing the Macy’s card will earn you platinum standing. Platinum members get the identical perks as goldies, however earn 5 factors per greenback, or 5% again in rewards. Spend the minimal $1,200 in annual purchases, and the 5% again earns you $60 in Star Cash.

Macy’s Star Cash bonus days

Star Cash bonus days are shock promotions when you’ll earn bonus factors. Translate that to imply you’ll earn extra factors than the standard share related together with your tier.

Macy’s broadcasts the size and phrases of bonus days normally simply earlier than the promotion begins. Usually, these final three to 5 days.

Additionally, there are product classes and types that aren’t eligible for bonus factors. You’ll nonetheless earn factors in accordance with your loyalty standing or tier, nonetheless. Listed below are the gadgets that gained’t earn additional factors:

  • Furnishings and mattresses
  • Rugs
  • Tech merchandise
  • Barnes & Noble
  • Sunglass Hut
  • Louis Vuitton
  • Pandora
  • End Line
  • Lids
  • Chow Tai Fook 24k gold
  • The Gucci Store at Herald Sq.
  • Macy’s Backstage

The best way to test Macy’s Star Rewards/Star Cash balances

To test your factors or cash balances, log into your on-line account at Macy’

Macy’s American Specific card

There’s so much using on the usage of the shop bank card right here, so let’s speak in regards to the Macy’s Amex. The branded American Specific card has its advantages together with factors earned exterior of your Macy’s purchasing and journey advantages. Particularly:

  • Earn 3 factors per $1 spent at eating places
  • Earn 2 factors per $1 spent at gasoline stations and supermarkets
  • Earn 1 level per $1 spent in any respect different non-Macy’s purchases
  • Journey advantages as described right here
  • Join bonus reductions of 20% off

This bank card has no annual price. As of August 1, 2023, the APR is 31.99% and the minimal curiosity cost is $2.

Maximizing your Star Rewards

Now for the enjoyable stuff. Need to earn most rewards? Strive these methods:

  • Before you purchase something from one other retailer, see if you should buy the merchandise at a aggressive value from Macy’s.
  • If in case you have the bank card, pay the stability off each month.
  • Stack your rewards through the use of Macy’s reductions and Rakuten cashback in your Macy’s purchases.
  • Add your Star Rewards membership to your on-line account so you’ll be able to simply earn on each buy.
  • Take note of retailer bulletins and take part in bonus days as applicable to earn much more factors.

Macy’s Star Rewards FAQs

Macy's Star Rewards screen in Macy's app.

Is Macy’s Star Rewards free?

Sure, Macy’s rewards loyalty program is free. You may obtain the next tier of Star Rewards standing once you open a Macy’s bank card and enhance your annual spending on the division retailer.

Is Macy’s Star Rewards the identical as money?

Star Rewards are the factors earned on purchases. You can’t use Macy’s factors as money, per se. You should wait till you’ve earned 1,000 factors — at that time, the 1,000 factors are transformed into $10 in Star Cash. Star Cash is basically Macy’s retailer credit score.

Does Macy’s rewards program supply free transport?

When you obtain gold or platinum standing in Star Rewards, you earn free commonplace transport with no order minimal. There are some exclusions, although. You’ll pay a $10 transport surcharge is assessed for patrons residing exterior the contiguous United States however in U.S. territories (Hawaii, Alaska, Guam, and so on.). And free transport isn’t obtainable on furnishings, mattresses, rugs, worldwide orders, e-gifts, and prior purchases. It’s possible you’ll pay a cost for upgraded or in a single day transport, too.

The place to study extra

To study extra about Macy’s Star Rewards, see this customer support article. You also needs to see my article on tips on how to store and save at Macy’s and tips on how to return undesirable purchases to Macys.

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