What Is the Cheapest Way to Buy From Macy's in the US in 2026?

The cheapest way to buy from Macy's in the US in 2026 is to work through Macy's own savings in order (a sale price, a valid Macy's coupon, the Macy's Card if it suits you) and then go through ShopBack before you check out. According to Citi's Macy's Credit Cards page at the time of writing, a new Macy's Card gets 30% off macys.com purchases on the day you open it (savings capped at $100), and cardholders earn 2 to 5 points per $1 at Macy's, with every 1,000 points worth $10 in Star Money. The card has no annual fee.

New to ShopBack? ShopBack US is a free shopping rewards platform: you go through ShopBack before you buy at stores like Macy's, and part of what you spend comes back to you as cash. It takes a couple of minutes to sign up, and the live rate is shown on each store's ShopBack page.

Building a Macy's cart? Go through ShopBack before you check out at Macy's so you pay less on the same order.

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The verdict

Macy's is cheapest when you use its own offers first and then go through ShopBack on the same order. The numbers, from Citi's Macy's card page at the time of writing:

Step	What it is worth	Source
Sale or clearance price	Varies by item and event	macys.com
Macy's coupon or promo code	Varies; each has its own exclusions	macys.com, Macy's app, Macy's page on ShopBack
New Macy's Card	30% off macys.com purchases that day, up to $100 saved	Citi
Macy's Card points	2 (Silver), 3 (Gold) or 5 (Platinum) points per $1 at Macy's	Citi
Points to Star Money	1,000 points = $10	Citi
Annual fee	$0	Citi
ShopBack US	Part of what you spend comes back as cash, at the live rate	Macy's page on ShopBack

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What is the cheapest way to buy from Macy's in the US?

Start with Macy's own price, then lower it step by step. Macy's is a US department store chain, best known for its Herald Square flagship in New York and the Macy's Thanksgiving Day Parade it has run since 1924, according to Wikipedia. It sells across fashion, beauty, home and accessories, so the cheapest route depends a little on what you buy. The order below works for most carts:

1. Shop the sale price first. Macy's runs sales through the year, so check whether the item is already marked down before you look for a code.
2. Add a valid Macy's coupon. Check the code's terms, since many exclude certain brands or categories.
3. Pay with a card that rewards Macy's spend. A Macy's Card earns 2 to 5 points per $1 at Macy's, depending on your status.
4. Go through ShopBack before you check out. Open the Macy's page on ShopBack US, tap through to macys.com and finish the order in the same session.

Step 4 is the one people skip. Just as with travel merchants like Booking.com, Trip.com, Agoda and Expedia, going through ShopBack is an essential step before you book or check out at Macy's, so you pay less on the same booking or order.

Macy's coupon: is there one that works in 2026?

Macy's runs its own promo codes and sale offers through the year, and the live ones are listed on macys.com, in the Macy's app and on the Macy's page on ShopBack US. Each code has its own end date and exclusions, and it is common for a department store code to leave out some designer brands, beauty or special purchases. Read the terms before you rely on one.

A few habits help:

• Check the cart total, not the badge. A code that takes a percentage off a sale price can be worth less than a sale on its own. Compare the final total with and without the code.
• Pick the code that fits your cart. When several codes are live, the best one is the one that saves the most on the items you are actually buying, not the one with the biggest headline number.
• Do not chase expired codes. Codes copied around the web often end early or have narrow terms. The current list on the Macy's ShopBack page is the quicker place to look.

Coupons change too often to list here, which is why this page points you to the live list rather than quoting a code.

Macy's official deals: the Macy's Card and Star Money

Macy's main official savings tool is its credit card, issued by Citi, which comes in two versions with no annual fee. According to Citi's Macy's Credit Cards page at the time of writing:

• Opening offer. "Open a Macy's Card and get 30% off macys.com purchases today," with savings capped at $100. The in-store discount varies, and the offer is subject to credit approval.
• Points at Macy's. 2 points per $1 for Silver members, 3 for Gold and 5 for Platinum.
• Status. New cards open at Silver. Gold needs $500 to $1,199 of annual spend at Macy's on the card, and Platinum needs $1,200 or more.
• Star Money. 1,000 points equal $10 in Star Money, which you can use on anything at Macy's except gift cards, services and fees.
• Where it works. The store card works at Macy's stores, Macy's Backstage and macys.com. The Macy's American Express Card also works anywhere Amex is accepted, earning 3 points per $1 at restaurants, 2 at gas stations and supermarkets, and 1 everywhere else.

What the numbers mean in practice. Because 1,000 points equal $10, Silver works out to roughly 2% back in Star Money on Macy's spend, Gold to roughly 3% and Platinum to roughly 5%. The opening offer is the biggest single saving: on a $250 macys.com order, 30% is $75 off. From about $334, the $100 cap kicks in, so a $500 order saves $100, not $150. If you plan to open the card, put your largest planned macys.com order on that first day.

Mind the interest. Citi lists the card's interest rates in its pricing details, and any interest on a carried balance can quickly cancel out a 2% to 5% points rate. The Amex version also charges a 3% foreign transaction fee on purchases in a foreign currency.

Macy's Backstage: the off-price option

Macy's Backstage is Macy's own off-price format, and it is worth a look if you are flexible on brand. According to Wikipedia, Backstage operates as stores-within-stores inside 319 full-line Macy's department stores, plus nine freestanding locations, and some brands sold there are not sold in regular Macy's stores. Citi confirms the Macy's Card works and earns points at Macy's Backstage, and Star Money can be spent there too.

Backstage is in-store, so stock differs by location. Check the Backstage section of your nearest Macy's before paying full price online.

Macy's credit card rewards in 2026

The Macy's Card earns points that become Star Money at Macy's, while a general rewards card earns that card's own points or cash back instead. Which one wins depends on your status. A Platinum Macy's cardholder earns 5 points per $1 at Macy's, which equals about 5% in Star Money, but that value can only be spent at Macy's. A general card's rewards can be used anywhere.

Using a card with ShopBack. Usually, the card you pay with and going through ShopBack are separate steps, so paying with a Macy's Card or another rewards card does not normally stop a ShopBack order from tracking. Rules on promo codes and payment methods can differ, so check the merchant's terms on the Macy's ShopBack page before you check out.

Macy's cashback through a cashback site

Macy's is on ShopBack US, so before you check out, go through ShopBack to get a post-purchase discount on the order. Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles.

Here is an illustrative example. On a $150 Macy's order at an illustrative 5%, $7.50 comes back, so the effective price is $142.50. Some categories may be excluded or earn a different rate, so check the live rate and terms on the Macy's page on ShopBack US on the day you shop.

How to do it:

1. Sign in to ShopBack US and open the Macy's page.
2. Tap through to macys.com (or use the ShopBack app).
3. Add your sale items and any valid code, and check out in the same session.
4. Keep the order until the return window passes, since returned items are not eligible.

Other department stores to compare

Macy's sits in the same category as Bloomingdale's, Kohl's, Target and Old Navy, so on bigger fashion or home purchases it is worth checking the total at one or two of them; whichever you pick, open its ShopBack page first.

Frequently asked questions

What is the cheapest way to buy from Macy's in the US?

Buy sale or clearance items, apply a valid Macy's coupon from macys.com or the Macy's app, pay with a Macy's Card if you already hold one (it earns 2 to 5 points per $1 at Macy's, and 1,000 points equal $10 in Star Money), and go through ShopBack before you check out to get a post-purchase discount on the order, paid back as cash.

Is there a Macy's coupon that works in 2026?

Macy's runs its own promo codes and sale offers through the year, and the live ones are shown on macys.com, in the Macy's app and on the Macy's page on ShopBack US. Each code has its own exclusions and end date, so check the terms on the offer before you add it at checkout. Codes change often, which is why this page does not list one.

How much does the Macy's credit card save on the first purchase?

According to Citi's Macy's Credit Cards page at the time of writing, opening a Macy's Card gets you 30% off macys.com purchases that day, with savings capped at $100; the in-store discount varies. On a $250 macys.com order that is $75 off, and from about $334 the $100 cap applies. The offer is subject to credit approval.

How do Macy's Star Money points work?

Macy's Card holders earn points on eligible Macy's purchases: 2 points per $1 at Silver, 3 at Gold and 5 at Platinum, according to Citi. Every 1,000 points converts to $10 in Star Money, which works out to roughly 2%, 3% or 5% back in Star Money. Star Money can be used on anything at Macy's except gift cards, services and fees.

How do you reach Gold or Platinum status at Macy's?

New Macy's Cards open at Silver status. According to Citi, cardholders reach Gold with $500 to $1,199 of annual spend at Macy's on the card, and Platinum with $1,200 or more.

Does the Macy's credit card have an annual fee?

No. Citi lists no annual fee on both the Macy's Credit Card and the Macy's American Express Card. The Amex version charges a 3% foreign transaction fee on international purchases, according to Citi, and interest rates follow the card agreement, so paying the balance in full is what keeps the savings intact.

What is Macy's Backstage?

Macy's Backstage is Macy's off-price format. According to Wikipedia, it runs as stores-within-stores inside 319 full-line Macy's department stores, plus nine freestanding locations, and some of its brands are not sold in regular Macy's stores. The Macy's Card can be used and earns points at Macy's Backstage, according to Citi.

Can I pay with a Macy's card and still go through ShopBack?

Usually yes. The card you pay with and going through ShopBack are normally separate steps, so paying with a Macy's Card or another rewards card does not usually stop a ShopBack order from tracking. Rules on codes and payment methods can differ, so check the merchant's terms on the Macy's ShopBack page before you check out.

Can I get cashback at Macy's?

Yes, through ShopBack US. Go through ShopBack before you check out at Macy's: open the Macy's page on ShopBack, tap through to macys.com and place the order in the same session. On a $150 order at an illustrative 5%, $7.50 comes back, so the effective price is $142.50; check the live rate and eligible categories on the Macy's ShopBack page.

Where can I spend Macy's Star Money?

Star Money can be spent on merchandise at Macy's stores, Macy's Backstage and macys.com, according to Citi, but not on gift cards, services or fees.

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Key takeaways

• Start with Macy's sale price, then add one valid Macy's coupon from macys.com, the Macy's app or the Macy's page on ShopBack.
• A new Macy's Card gets 30% off macys.com purchases that day, capped at $100 saved, so the cap applies from about $334.
• Macy's Card points: 2, 3 or 5 per $1 by status, and 1,000 points equal $10 in Star Money; no annual fee.
• Macy's Backstage, inside 319 Macy's stores plus nine freestanding locations, is the off-price option.
• Before you check out, go through ShopBack US on the Macy's page so you pay less on the same order.

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Disclaimer

The views and recommendations expressed in this article are those of the author.

Macy's prices, promo codes and sale offers are set by Macy's and can change. Macy's Credit Card and Macy's American Express Card terms, offers and status rules are set by Macy's and the card issuer, and approval is subject to credit review. Cashback rates on ShopBack change over time and the example in this article uses an illustrative rate only; the live rate and eligible categories are shown on the Macy's page on ShopBack. Check Macy's current terms on macys.com before you buy.

This article is intended for general informational purposes only and should not be considered professional or financial advice.

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Brands, work with us: garry@shopback.com.