13 cards ranked
Best credit card to use at Macy's.
Department StoreOnline Shopping
Macy's is the largest U.S. mid-tier department store, with about 500 full-line stores plus Backstage outlets and a heavy promotional calendar. Most shoppers buy at heavy discount, so the cashback rate stacks on already-reduced prices. Macy's codes as a department store at the register and as online shopping on macys.com, which means cards bonusing on either category can earn here. The Macy's American Express has its own Loyallist points layer for shoppers doing several thousand a year at Macy's specifically.
Picks without a tag earn at Macy's both in-store and online. Watch for theOnline onlytag — those bonuses only apply on macys.com.
- #1US Bank Cash+ Visa Signatureif you select itU.S. Bank5% on department stores if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #2Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #33%
- #42%
- #52%
- #6First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #7Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #8American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #9Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #102%
- #112%
- #122%
- #132%
Last updated May 17, 2026