Mike Tish | 

Here's How You Can Get Macy's Money During the Holidays

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If you’re planning to shop Macy’s during the holiday season, then you need to know how to use Macy’s Money. Like Kohl’s Cash, Macy’s Money is store credit — essentially a gift card — you receive for spending money at Macy’s during annual promotions.

I’m going to walk you through how Macy’s Money works, when you should expect to see special promotions, and how to work these promotions for the maximum payout.

Before you read on, don’t forget to download the Krazy Coupon Lady app. If you “favorite” Macy’s, then we’ll know to send you the best Macy’s tips and deals as soon as they go live.


1. How does Macy’s Money work?

Macy’s Money is in-store credit that you can earn through Macy’s Star Rewards program or when you shop during what Macy’s calls a “special earning period.”

Like with Kohl’s Cash and Old Navy Super Cash, there’s a period of time when Macy’s Money can be earned, and then a later period of time it can be spent.

By the way, you can use up to 5 Macy’s Money cards in one transaction. Macy’s will apply your Macy’s Money after any other promo codes.


2. When are the Macy’s Money earning and redemption periods?

Macy’s earning periods are the best way to earn Macy’s Money. That’s because these are the times when Macy’s will reward you with $10 in Macy’s Money for every $50 you spend (the maximum you can earn is $40 in Macy’s Money).

Of course, there’s a catch. And this one’s pretty big. Macy’s Money earning periods only happen a few times each year. In 2021, we saw Macy’s Money earning periods around Mother’s Day and during the holiday season. Still, if you know you’ll be shopping at Macy’s during the holidays, this promotion is something you can’t miss.


3. How will I receive my Macy’s Money?

If you shop in the store, you’ll get a physical card with your Macy’s Money loaded onto it right at the cash register after you check out. If you shop online, Macy’s will send you a confirmation email soon after your purchase with your Macy’s Money code.


4. Do I need to be a Macy’s Star Rewards member to earn Macy’s Money?

A woman trying on a winter coat in a department store.

No. Anyone who shops during the Macy’s Money earning periods can earn Macy’s Money. The only advantage to being a Star Rewards member is that you get to earn points toward Macy’s Money outside of those special earning periods.

But even that’s a small advantage, given that Macy’s Star Rewards members only earn $10 in Macy’s Money after they’ve spent $1,000.



5. Can I earn Macy’s Money by requesting no-hurry shipping?

shipping and delivery screenshot from macys website

In the past, Macy’s has offered $10 in Macy’s Money for anyone who chooses no-hurry shipping (minimum $25 on your order). Like with the Macy’s Money earning period, I’ve only seen the no-hurry shipping offer around Black Friday.

“No Hurry” shipping means that instead of getting your order in 3-6 days, it’ll arrive in 6-9 days. In 2021, there was no limit to the number of times you could place an order at Macys.com for $25 or more to get $10 in Macy’s Money.

So, instead of spending $75, split up your purchase among three separate orders and end up with $30 in Macy’s Money.


6. How do you use Macy’s Money online?

my macys money screenshot

If you’ve made a Macy’s account, your Macy’s Money will show up in your Macys.com Wallet. For those who don’t have an online account, just hold on to that email you received after your purchase, and use the code provided in the email to access your discount.


7. Can you use expired Macy’s Money?

No. Macy’s is stingier than, say, Kohl’s — which is known to let folks use expired Kohl’s Cash up to seven days after it expires.


8. What exclusions are there for Macy’s Money?

Macy’s has very few exclusions regarding how you can spend your Macy’s Money — you can’t use it on gift cards or to pay down your Macy’s credit account.

But there are several exclusions concerning how you can earn your Macy’s Money. In years past, we’ve seen Macy’s exclude the following items:

  • Apple products
  • Watches, jewelry, accessories
  • Tech
  • Macy’s Backstage
  • Beauty Box subscriptions
  • Gift cards
  • Mattresses
  • Rugs
  • Furniture


9. Can I stack my Macy’s Money with Macy’s coupons?

close up on macys newspaper coupon

You can, and you should. Macy’s Money works exactly like a gift card. The only rule is you can only use one Macy’s Money card (or code) per transaction.



10. What if I want to return an item I bought with Macy’s Money?

Woman standing in line at the Macy's return counter.

You can make your return just like any other Macy’s return, but you won’t get the Macy’s Money refunded to your account.

If you have any other questions about Macy’s Money, drop ’em in the comments below. Thanks for reading!

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