Learn and Apply disclosures

New account Discount: Subject to credit approval. See an associate for details. The new account discount (the “Discount”) is valid on merchandise purchases made at Macy’s, Macy’s Backstage and macys.com the day you are approved and the following day and charged on your new Macy’s Credit Card account. The Discount cannot be combined with other discount offers except where indicated and it may not be applied to previous purchases. The Discount does not apply to services, select licensed departments, Apple Products, smart watches/jewelry and select tech accessories, Gift Cards, restaurants, gourmet food and wine. Applicants must qualify for immediate approval to receive the Discount; applications requiring further processing will not receive the Discount. Employees of Macy’s, Inc. are not eligible. For your convenience and record keeping, the Discount will appear on your statement. It will not appear on your register receipts or during checkout on macys.com.

Loyalty Status: New Accounts are opened with Silver status. Starting in January 2019 and every January thereafter, purchases on your Macy’s 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. Accounts will be upgraded to Gold status 30 days after spending $500-$1199 at Macy’s on their 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 account must be open and not delinquent to receive benefits. Macy’s may change or terminate the program at its discretion without notice. See the Macy’s Star Rewards Terms & Conditions at macys.com/starrewards for complete details.

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.

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. Shipping offer does not apply to furniture, mattresses 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.

5% back in rewards, no merchandise exclusions: Macy’s accounts with Platinum status earn 5 points per $1 spent on Rewards Earning Purchases at Macy’s, macys.com and Macy’s Backstage with a Macy’s Credit Card, less discounts and adjustments. For those Platinum members who are eligible to receive employee discount, points earned will be calculated based on 80% of your Rewards Earning, regardless of the percentage of the employee discount received. 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 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.

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.

Star Money Rewards: Once you accumulate 1000 points, a $10 Star Money reward will be issued. Star Money rewards may be used to purchase merchandise at Macy’s, Macy’s Backstage or macys.com. Star Money rewards 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 rewards may not be redeemed in a Macy’s store if you use an electronic wallet or self-checkout. Each Star Money reward is valid for 30 calendar days from issuance. Purchases made solely with Star Money rewards will not receive discounts available with cardholder savings offers which require payment with a Macy’s Credit Card. If your Macy’s 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 rewards will be forfeited.