Best credit card to use at Macy's

Updated October 30, 2026

U.S. Bank Cash+ earns the most at Macy's: 5% cash back. Macy's usually codes as department stores. Pick department stores as a bonus category (each quarter). Up to $2,000 of spending a quarter, then 1% cash back.

Check with your own cards

Top 10 cards at Macy's

1. 1
   U.S. Bank Cash+ 5%
   U.S. Bank · No annual fee

   • Pick department stores as a bonus category (each quarter)
   • Up to $2,000 of spending a quarter, then 1% cash back
2. 2
   Citi Double Cash 2%
   Citi · No annual fee
3. 3
   SoFi Unlimited 2% 2%
   SoFi · No annual fee
4. 4
   Wells Fargo Active Cash 2%
   Wells Fargo · No annual fee
5. 5
   Capital One Venture Rewards 2%
   Capital One · $95 a year
6. 6
   Capital One Venture X Rewards 2%
   Capital One · $395 a year
7. 7
   Chase Freedom Unlimited 1.5%
   Chase · No annual fee
8. 8
   IHG One Rewards Premier 1.5%
   Chase · $150 a year
9. 9
   IHG One Rewards Premier Select 1.5%
   Chase · $350 a year
10. 10
    Citi Strata Elite 1.5%
    Citi · $595 a year

From the issuers' terms

• U.S. Bank Cash+: “5% cash back on two categories you choose” usbank.com, checked 2026-10-24.
• Citi Double Cash: “Earn unlimited 1% cash back when you buy, plus an additional 1% as you pay” citi.com, checked 2026-10-26.
• SoFi Unlimited 2%: “Members earn 2 rewards points for every dollar spent on purchases” sofi.com, checked 2026-10-24.

How this is ranked

Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.

Related

department stores · Nordstrom · Nordstrom Rack · Kohl's