How Macy's Star Rewards tiers work
Macy's Star Rewards has 4 tiers: Bronze (free, no spend requirement), Silver ($500+ annual spend, 2 percent back), Gold ($500+ annual spend with Macy's credit card, 3 percent back), and Platinum ($1,200+ annual spend with Macy's credit card, 5 percent back).
Each tier earns Star Money (Macy's store credit) that compounds across orders. Tiers reset annually based on the prior 12-month spend.
When Platinum tier pays back
For shoppers spending $1,200-plus per year at Macy's, Platinum tier 5 percent back saves roughly $60 vs Gold 3 percent back on the same spend. The Platinum tier requires the Macy's credit card.
For shoppers spending $500 to $1,200 annually with Macy's credit card, Gold tier 3 percent back is the right tier.
For shoppers without Macy's credit card, Bronze (free, no spend requirement) tier earns no Star Money but qualifies for Star Pass coupons (typically 15 to 25 percent off select departments).
How the stack with credit card cashback works
For shoppers using a general cashback credit card (Chase Sapphire Preferred, Amex Gold, Citi Double Cash) at Macy's checkout, the credit card cashback (typically 1 to 2 percent) stacks with Macy's Star Rewards tier discount.
For Platinum tier members using Macy's credit card, the 5 percent Star Money is the only cashback (no general credit card cashback because the Macy's card is the payment method).
How Macy's One Day Sale stacks on the tier discount
Macy's One Day Sale events run 8 to 10 times per year with 30 to 60 percent off featured categories. The Star Rewards tier discount (1 to 5 percent back as Star Money) stacks on top of One Day Sale pricing.
For Platinum tier members during a One Day Sale, the cumulative net effective discount is the One Day Sale percentage plus 5 percent Star Money. On a $200 cart at 50 percent off ($100), Platinum earns $5 in Star Money applied to next purchase.
How to track Macy's pricing across tiers
For shoppers planning Macy's purchases, paste specific item URLs on macys.com into DiffScout. Set monthly monitoring with daily during One Day Sale events.
The Star Rewards tier discount applies at checkout regardless of monitoring. For shoppers below Platinum tier threshold, considering whether to upgrade to Platinum based on planned annual spend math.
*DiffScout tracks any Macy's product URL. Combine with Star Rewards tier discount for net deepest pricing. Try it free →*