Macy's Discounts, Deals and Coupon Codes

How Does Macy's Money Work?

Find out how to earn it, what you can redeem it on and which exclusions exist.
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If you haven't been taking advantage of Macy's Money benefits, you've been missing out on some solid value.

These reward cards (which are basically free money) can be earned during select sales, and then spent during specific times. To help you sort out all the ins and outs of this perk, we've put together this Macy's Money explanation so you can enjoy the extra savings without the confusion.

What Is Macy’s Money and How Do I Earn It?

Similar to Kohl’s Cash, Macy’s shoppers can earn $10 in Macy’s Money reward cards for every $50 they spend (up to $40 in rewards in one transaction). However, you can only earn Macy’s Money during select shopping events throughout the year.

Shoppers can earn Macy’s Money on almost any purchase during the promotion, and then come back at a later date to redeem the rewards. Just note that if you return items you purchased to accumulate Macy's Money, you'll void or reduce your reward card value.

What Can I Redeem Macy’s Money On?

Macy’s Money can be redeemed on anything in-store or online for a set time after the initial earning period. The redemption dates vary for each promotion but will always be clearly listed on the reward card.

For example, Macy’s Money that was earned June 11th through the 16th can be redeemed June 26th through the 30th. Macy's Money earned in-store expires when your local Macy's store closes for the night on the last day of redemption.

One of the best things about Macy's Money is that it can be used on products and brands that are often excluded from promo codes. You can also stack Macy's Money with coupons and sales. Plus, you can redeem up to five Macy's Money reward cards on a single order. The only things you cannot redeem Macy’s Money for are cash, credit card payments or gift cards.

Looking for some ideas to put your Macy's Money to good use? Here are some options that are often excluded from promo codes:

What Are the Macy's Money Earning Exclusions?

Surprisingly, there are not many exclusions when it comes to earning Macy’s Money. You can earn it on almost any brand, and even cosmetics and perfume. With that said, there are a few ineligible purchases. These include:

  • Backorders (online)
  • Buy Online, Pick-up In-store orders
  • Chanel
  • eSpot
  • Fine Jewelry pre-sale (in-store)
  • Gift Cards
  • iShop Orders
  • Leased Departments
  • MacyBed (Sleep Trends mattresses ordered online ARE eligible)
  • Orders placed via phone or live chat by a Macy's agent
  • Restaurant Purchases
  • Sales Tax
  • Services and Fees

Where Do I Find My Macy's Money and Check My Balance?

To check your Macy's Money balance, call 1.800.289.6229 or ask an in-store Sales Associate. You'll receive your Macy’s Money benefits as soon as you check out if you're shopping in-store. If you shop online through your Macy’s account, your rewards will be added to your “My Wallet” section.

If you check out online as a guest, you'll receive an email prompting you to sign in or create an account to access your rewards.

Still can’t see your Macy’s Money balance? Wait a few days and then check again, as your rewards will not be available until your eligible order ships.

Are Macy’s Money and Star Rewards the Same Thing?

Macy’s Money rewards and Macy’s Star Rewards are two different programs. In order to enjoy Macy’s Money benefits, you just need to shop during Macy’s Money promotional shopping days.

Macy’s Star Rewards can be earned during Star Money Days, if you're a free Bronze member or Macy’s Cardholder. Points are earned per dollar spent and 1,000 points = $10 Star Money. Star Money can be used immediately after earning it and is valid for 30 days after earning it.

RELATEDIs Macy's Star Rewards Program Worth It?

Stay on top of all the latest Macy's deals and offers by visiting our Macy's Coupon page or setting a Deal Alert.


Any product or service prices/offers that appear in this article are accurate at time of publish, and are subject to change without notice. Please verify the actual selling price and offer details on the merchant’s site before making a purchase.

About the Author
Ashley Eneriz Contributor

Ashley Eneriz is a personal finance writer based in Southern California. She loves a good deal and is not afraid to dig through a thrift store to score amazing finds. When not writing about money, she is taking care of her three girls, homeschooling, or stuck with her nose in a book.


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