Citi
Macy's Credit Card
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Card review
Macy's Credit Card
Citi
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$430/yr
Credit score
Varies
Top earn rate
3x dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Macy's Credit Card from Citi carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $429.60 in rewards plus $0.00 in credits and perks — $429.60 net per year before welcome bonuses.
How the points work
Platinum members get 5% back (5 points/$1)
Gold members get 3% back (3 points/$1)
Silver members get 2% (2 points/$1)
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 3× |
| GasGas | 2× |
| GroceriesGroceries | 2× |
| Everything elseMacy's | 2× |
| Everything elseAll Purchases | 1× |
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
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Reward Calculator
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.