Loyalty Status: New Credit Card Accounts are opened with Silver status. Starting in January 2019 and every January thereafter, purchases on your Macy’s Credit Card at Macy’s in the previous full calendar year, less returns, credits, discounts, and adjustments, will be used to calculate your Status for the next year. Macy's Credit Card accounts will be upgraded to Gold status 30 days after spending $500-$1,199 at Macy’s on their Macy’s Credit Card. Macy's Credit Card accounts will be upgraded to Platinum status 30 days after spending $1,200 or more. Accounts that are upgraded will remain at that level for the remainder of the current calendar year as well as the next full calendar year. Your Macy’s Credit Card account must be open and not delinquent to receive benefits.

5% Back in Rewards, No Merchandise Exclusions: Macy’s Credit Card accounts with Platinum status earn 5 points per $1 spent on Rewards Earning Purchases at Macy’s, Macy’s Backstage and macys.com with a Macy’s Credit Card, less discounts and adjustments. Points are not earned on purchases made outside of Macy's, Macy’s Gift Cards, purchases made at restaurants inside Macy’s, on Beauty Box subscription services, in any department that does not use a Macy’s point of sale register, on services, fees, sales tax, when redeeming Star Money, Macy's Rewards Cards or Macy’s Gift Cards, or when paying with a virtual wallet, even if you’re paying with a Macy’s Credit Card in the virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued.

Free Shipping with No Minimum Purchase: Offer applies to standard shipping to one location in the continental U.S. and may be applied to premium or overnight shipping for an upgrade fee. A $10 shipping surcharge on domestic orders applies to customers living outside the contiguous United States: Hawaii, Alaska, Puerto Rico, Guam, American Samoa, Micronesia, Marshall Islands, North Mariana Islands, Palau and U.S. Virgin Islands. Shipping offer does not apply to furniture, mattresses, rugs, or prior purchases. Free shipping of purchases in Macy’s stores applies when you are shopping in a store that does not stock a particular item but it is available at another store and payment is made with a Macy’s Credit Card account with Gold or Platinum status. Due to size and/or weight, certain items bear a shipping surcharge, which will still apply. When shipping to multiple addresses, only shipping to the first address will qualify for free shipping; shipping fees will apply to all other addresses.

Star Pass Coupons: Exclusions apply and are disclosed on each Star Pass. You must not have opted-out of receiving marketing mail from Macy’s as of the date we prepare Star Pass mailings. If you have opted-out or we do not have your current address then you forfeit those mailings. The number, method of distribution, expiration dates, eligible purchases and discount value of these benefits may vary.

Perks and Offers: From time to time, Macy's Cardholders and Non-Cardholders may receive perks and offers when they shop with their Account or membership. The value of each perk and offer may differ and there is no guarantee of a certain number. Purchase may be required and perks and offers may be good for a limited time.

Birthday Surprise: The primary cardholder on an account and Non-Cardholders will receive a birthday surprise during their birthday month. The value of the birthday surprise may vary for each member. Purchase may be required. To receive a birthday surprise, you must have made a purchase at Macy’s or macys.com on your account or with your membership in the past 12 months. To receive a birthday surprise, you must not have opted-out of receiving marketing mail from Macy’s as of the date we prepare our mailings and we must have your current mailing address. You may need to visit a Macy’s store to receive your birthday surprise.

3%-2%-1% Out of Store Rewards: Restaurants are defined as stand-alone merchants in the U.S. that primarily serve food. Purchases made at a restaurant located within another establishment (e.g., a restaurant inside a hotel, casino, event venue or retail store, including Macy’s) may be recognized as purchases at that other establishment, and not at a restaurant, and will not qualify for points. American Express determines the industry category for merchants, but Macy’s reserves the right to determine which purchases qualify for 3 points per $1 spent. Gas Stations are defined as stand-alone merchants in the U.S. that primarily sell gasoline. Superstores, supermarkets, convenience stores and warehouse clubs that sell gasoline are not considered gas stations. Supermarkets are defined as stand-alone merchants in the U.S. primarily selling supermarket products, excluding superstores and warehouses. American Express determines the industry category for merchants, but Macy’s reserves the right to determine which purchases qualify for 2 points per $1 spent. Macy’s American Express Cardholders will receive 1 point per $1 spent on all other qualifying purchases made when using the Macy’s American Express Card outside of Macy’s. The following transactions do not earn points when using the Macy’s American Express Card outside of Macy’s: cash advances, money orders and other cash equivalent transactions, lottery tickets, pari-mutuel betting and casino gambling. American Express Cards are not presently accepted for the purchase of bets, lottery tickets or casino gaming chips.

Star Money Rewards: Once you accumulate 1,000 points, a $10 Star Money reward will be issued. Star Money may be used to purchase merchandise at Macy’s, Macy’s Backstage or macys.com. Star Money may not be exchanged for cash, used to purchase Macy’s Gift Cards, used for furniture and mattress purchases made on macys.com, used for Beauty Box subscription services, used at restaurants inside a Macy’s store, used in any department that does not use a Macy’s point of sale register, used for any purchase that will be shipped outside the U.S. or used as payment on any credit account. Star Money may not be redeemed in a Macy’s store if you use an electronic wallet or self-checkout. Star Money is valid for 30 calendar days from issuance. Purchases made solely with Star Money will not receive discounts available with cardholder savings offers which require payment with a Macy’s Credit Card. If your Macy’s Credit Card Account is closed by you or us, or you fail to make a qualifying purchase on your Macy’s Credit Card account during any consecutive 12-month period, all points and any unused Star Money will be forfeited.

Get it all without Fee: As of March 27, 2018 APR 26.74% (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $2.00. Cash Advance Fee: The greater of $5.00 or 4% of the amount of each cash advance. Foreign Transaction fee: 3% of each purchase transaction in U.S. dollars. See Credit Card Agreement for details.

Travel Benefits: Macy’s Travel Benefits brought to you by American Express with offers from participating American Express merchants. Travel Benefits program may be terminated at any time. Individual offers are subject to change and offer expiration dates vary. Complete terms and conditions are available at www.macyspreferredtravel.com.