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.

#1
U.S. Bank Cash+ Visa Signatureif you select it
U.S. Bank
5% 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 combined
5%
#2
Blue Cash EverydayOnline only
American Express
3% on online shopping (up to $6,000/year, then 1%)
U.S. online retail purchases
3%
#3
Hilton Honors American Express SurpassOnline only
American Express
4x points on online shopping
U.S. online retail purchases
2.0%4x points
#4
Robinhood Gold
Robinhood
3% flat-rate cashback
3%
#5
Blue Business Cash from American Express
American Express
2% flat-rate cashback
2%
#6
Citi Double Cash
Citi
2% flat-rate cashback
1% when you buy, 1% when you pay
2%
#7
Coinbase One
First Electronic Bank
2% flat-rate cashback
Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
2%
#8
Fidelity Rewards Visa Signature
Elan Financial Services
2% flat-rate cashback
When deposited into an eligible Fidelity account
2%
#9
Graphite Business Cash Unlimited
American Express
2% flat-rate cashback
Unlimited 2% cash back on eligible purchases
2%
#10
Smartly Visa Signature
U.S. Bank
2% flat-rate cashback
2%

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