Macy's Adds Paze Checkout: Best Ways to Use the Offers

Macy’s adding Paze is actually useful — not earth-shattering, but useful — because it gives you another big-name retailer where the current Paze promos can be burned without buying random junk from a tiny merchant you’ve never heard of.

The catch is classic Macy’s: shipping can wreck the deal fast. If you’re trying to turn a $10 Paze credit into free or nearly free merchandise, you need store pickup or an order large enough to clear Macy’s free shipping threshold. Otherwise that $10.95 shipping charge eats the whole thing and then some.

Hat tip to Quantum for spotting the new checkout option.

What changed at Macy’s

Macy’s now accepts Paze as a checkout option on macys.com. Paze is the online checkout wallet built by Early Warning Services LLC, the same company behind Zelle. It’s backed by a long list of major U.S. banks, including Bank of America, Capital One, Chase, Citi, PNC, Truist, U.S. Bank, and Wells Fargo.

The basic idea is simple: instead of typing your card number directly into a merchant checkout page, Paze lets you check out using cards connected through participating banks. One of the security selling points is that Paze doesn’t share your actual card number with the merchant during the online transaction. That’s not a reason to use it everywhere blindly, but it’s a real benefit if you dislike spreading card numbers across dozens of retailer databases.

For points people, though, the security angle is almost secondary right now. The reason Macy’s matters is that there are two separate promos floating around: a Paze statement credit offer and a Chase Ultimate Rewards bonus offer. Macy’s is now another place where those can potentially be useful.

The two Paze offers to know

The first offer is the straightforward one: a $10 statement credit when you spend $10 or more in a single transaction at participating merchants using Paze. That offer is redeemable up to 10 times per eligible card, for a maximum of $100 back per card. The promo runs from June 15, 2026, through September 10, 2026.

That structure is unusually generous on tiny purchases. Spend exactly $10 and get $10 back? That’s basically free merchandise before tax, assuming the transaction qualifies and you avoid shipping.

The second offer is for select Chase Sapphire and Freedom cardholders. Eligible cardholders can earn an additional 10 Ultimate Rewards points per dollar on Paze purchases through December 31, 2026. Chase caps that bonus at $1,500 in combined Paze purchases per month, per eligible card. That’s up to 15,000 bonus Ultimate Rewards points monthly.

Those are very different deals. The $10 credit is best for small, surgical purchases. The Chase 10x offer is more interesting for real spending — clothes, home items, luggage, gifts, or anything else you were already going to buy.

And yes, if you’re eligible for both, a Macy’s Paze transaction may be a nice stack. Just don’t assume every account, card, or purchase qualifies. Check your Paze and Chase offer terms before you buy.

Macy’s shipping is the annoying part

This is where the deal gets less clean.

For non-Macy’s Star Rewards members, Macy’s offers free standard shipping on orders of $49 or more, pre-tax. Orders under $49 incur a $10.95 shipping fee. That matters because the Paze statement credit only requires a $10 purchase, but Macy’s shipping policy punishes small online orders.

If you’re a Macy’s Star Rewards Bronze or Silver member, the free shipping threshold is $39 or more pre-tax when using a non-Macy’s card. If you use a Macy’s credit card, Bronze and Silver members get free shipping at $25 or more. Gold and Platinum members get free shipping with no minimum purchase when using a Macy’s credit card.

But here’s the practical issue: if you’re chasing the Chase Ultimate Rewards Paze bonus, you need to use an eligible Chase card through Paze. That means the Macy’s-credit-card shipping perks aren’t really helping you for this strategy. Bronze and Silver members using a Chase card still need to think about the $39 threshold, not the lower Macy’s-card threshold.

The cleanest answer is store pickup. If Macy’s has your item available for pickup, you can dodge the shipping fee entirely. For the $10 statement credit offer, store pickup is the difference between a cute little freebie and a bad deal.

A worked example: why pickup matters

Say you find a $12 item at Macy’s — socks, a towel, a kitchen gadget, whatever — and you check out with Paze using an eligible card tied to the $10 Paze statement credit offer.

If store pickup is available, the math is simple:

Item price: $12.00
Shipping: $0.00
Paze statement credit: -$10.00
Net before tax: $2.00

That’s a good use of the offer. If you’re also targeted for Chase’s additional 10 Ultimate Rewards points per dollar, a $12 purchase would earn 120 bonus Ultimate Rewards points on top of the card’s normal earning. The points aren’t the main event on a tiny purchase, but they’re a nice kicker.

Now run the same $12 item with shipping:

Item price: $12.00
Shipping: $10.95
Paze statement credit: -$10.00
Net before tax: $12.95

That’s not exciting. You used a valuable $10 credit and still paid more than the item price because shipping ate the promo. This is the mistake I expect a lot of people to make with Macy’s.

For a non-Star Rewards member, a better shipped order might be $49 pre-tax:

Merchandise: $49.00
Shipping: $0.00
Paze statement credit: -$10.00
Net before tax: $39.00

That’s a clean 20.4% discount before any points, assuming you actually wanted the items. If you bought $49 of filler just to use a $10 credit, that’s not savings. That’s shopping cosplay.

The Chase 10x angle is better for real purchases

The Chase offer is where Macy’s becomes more than a break-even promo hunt. Select Chase Sapphire and Freedom cardholders can earn an additional 10 Ultimate Rewards points per dollar on Paze purchases through December 31, 2026, capped at $1,500 in combined Paze purchases per month per eligible card.

Let’s say you’re buying $300 of bedding or clothing from Macy’s and you can check out with Paze using an eligible Chase card. The Chase Paze bonus would be:

$300 x 10 additional points per dollar = 3,000 bonus Ultimate Rewards points

That’s on top of whatever your card normally earns. If you value Ultimate Rewards at 1.5 cents each — my rough line for a solid travel redemption, not a guaranteed cash value — those 3,000 bonus points are worth about $45 to me. If you redeem poorly, they’re worth less. If you transfer to a high-value travel partner well, they can be worth more.

Now compare that with the $10 Paze statement credit. On a $300 order, $10 back is only 3.3% back. Nice, but not the star. The Chase 10x bonus is potentially much more meaningful on larger purchases.

At the monthly cap, the Chase offer gets serious. Spend $1,500 in eligible Paze purchases in a month and you’d earn up to 15,000 bonus Ultimate Rewards points. Again, that is the bonus only, not base earning. At a 1.5-cent personal valuation, I’d peg that at about $225 of travel value. I would not manufacture spending or buy unnecessary merchandise for it, but if you have real purchases that can run through Paze, that’s strong.

How I’d decide which offer to use at Macy’s

If I had the $10 Paze statement credit and no Chase 10x offer, I’d be looking for $10 to $15 items with store pickup. That’s the sweet spot. You want the statement credit to cover most of the purchase, not subsidize Macy’s shipping department.

If pickup isn’t available, I’d either wait or build a real order to the free shipping threshold. For non-Star Rewards members, that means $49 or more pre-tax. For Bronze and Silver members using a non-Macy’s card, it’s $39 or more pre-tax. Those thresholds matter because tax generally won’t help you reach the free shipping minimum.

If I had the Chase 10x offer, I’d use Macy’s only for items I was already buying or could price-check against competitors. Macy’s runs frequent sales, but the sticker price can be inflated in some categories. A 10x bonus doesn’t fix a bad base price. If Macy’s is $40 higher than another retailer, earning extra points doesn’t make you clever.

For larger orders, I’d also watch the monthly Chase cap. The limit is $1,500 in combined Paze purchases per month, per eligible card. If you’re targeted on multiple eligible Chase cards, each card has its own cap based on the offer terms in the brief, but don’t assume your whole wallet qualifies. Select cardholders only.

Common mistakes to avoid

The first mistake is paying $10.95 shipping on a tiny order just to trigger a $10 statement credit. That’s the deal equivalent of jogging in place.

The second is using the wrong checkout flow. You need to check out with Paze. Typing the same card directly into Macy’s checkout isn’t the same thing, and it won’t help with a Paze-specific offer.

The third is confusing Macy’s Star Rewards shipping rules with Paze and Chase strategy. Macy’s credit card holders can have better shipping thresholds, especially Gold and Platinum members, but using a Macy’s credit card is not the same as using an eligible Chase card through Paze. If your goal is Chase Ultimate Rewards, pick the Chase card and calculate shipping accordingly.

The fourth is forgetting the offer limits. The Paze statement credit offer is up to 10 redemptions per eligible card, maxing out at $100 back per card. The Chase 10x offer is capped at $1,500 in combined Paze purchases per month, per eligible card. These caps are generous enough to be useful, but not infinite.

And finally, returns can complicate promos. I wouldn’t buy speculative items just to trigger credits unless I was comfortable keeping them. If you return an item, the related statement credit or points bonus may not stick. Always check the current terms on your offer page.

Frequently asked questions

What is Paze?

Paze is an online checkout solution created by Early Warning Services LLC, the company behind Zelle. It’s offered through major U.S. banks, including Bank of America, Capital One, Chase, Citi, PNC, Truist, U.S. Bank, and Wells Fargo. Its security pitch is that your actual card number isn’t shared with the merchant during online transactions.

Does Macy’s now accept Paze?

Yes. Macy’s has added Paze as an accepted checkout option on macys.com. That makes Macy’s another major retailer where Paze users can potentially use current Paze and Chase offers, subject to the terms of each offer.

How does the $10 Paze statement credit work?

The Paze promotional offer provides a $10 statement credit when you spend $10 or more in a single transaction at participating merchants. It can be redeemed up to 10 times per eligible card, for a maximum of $100 back per card. The offer is valid from June 15, 2026, through September 10, 2026.

How does the Chase 10x Paze offer work?

Select Chase Sapphire and Freedom cardholders can earn an additional 10 Ultimate Rewards points per dollar on Paze purchases through December 31, 2026. The bonus is capped at $1,500 in combined Paze purchases per month, per eligible card, which means up to 15,000 bonus points monthly.

Bottom line

Macy’s adding Paze is good news if you’re sitting on Paze statement credits or a targeted Chase 10x Ultimate Rewards offer. The best play for the $10 credit is a small Macy’s order with store pickup. If you have to pay $10.95 shipping, the deal usually falls apart.

For Chase cardholders targeted for the 10x Paze bonus, Macy’s is more interesting for legitimate larger purchases, especially if the price is competitive and you can stay within the $1,500 monthly cap. Just don’t let bonus points talk you into buying things you don’t need. The win here is using Paze on purchases you were already going to make — not creating a Macy’s cart because a checkout button got added.