There are four tiers:

• Bronze: Free for all members
• Silver: Macy’s Cardholders (starting tier)
• Gold: Spend $500–$1,199/year with your Macy’s Card
• Platinum: Spend $1,200+/year with your Macy’s Card

Points are based on your status:

• Bronze: 1 point per $1
• Silver: 2 points per $1
• Gold: 3 points per $1
• Platinum: 5 points per $1 

💡 Every 1,000 points = $10 Star Money reward

Star Money is the reward you earn from points:

• Issued in $10 increments
• Can be used on most Macy’s purchases
• Expires 30 days after issuance

Yes. Points expire if:

• No qualifying purchase is made for 12 consecutive months, or
• Your Macy’s Card is closed

Perks may include:

• Star Money Bonus Days (earn faster)
• Birthday surprise
• Exclusive offers and Star Pass savings
• Free shipping offers (based on tier/payment type)

Yes. Only purchases made with a Macy’s Credit Card count toward Silver, Gold, or Platinum status.

Subject to credit approval. New accounts only. The new account discount (the “New Account Discount”) is a limited time discount valid on merchandise purchases made at Macy’s, Macy’s Backstage and macys.com charged on your new Macy’s Credit Card. Applicants who qualify for immediate approval are eligible to receive a New Account Discount (the “Standard Discount”) of 20% off eligible merchandise purchases made with the card in Macy’s stores, and 30% off eligible merchandise purchases on macys.com on the day you’re approved, limited to a total of $100 in savings over the two days. From time to time, we may offer a promotional discount instead of the Standard Discount that varies in discount percentage, savings limit, and/or duration from the Standard Discount (the “Promotional Discount”). The availability of each Promotional Discount offer along with the discount percentage, savings limit and duration will be disclosed at the time each Promotional Discount offer is made. When a Promotional Discount is offered you will receive the Promotional Discount and not the Standard Discount. The New Account Discount may not be applied to previous purchases. The New Account 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 New Account Discount; applications requiring further processing will not receive the New Account Discount. The New Account Discount does not apply to upgrades of a Macy’s Credit Card to a Macy’s American Express Card. Employees of Macy’s and its affiliates are not eligible. For your convenience and record keeping, the New Account Discount will appear on your statement. It will not appear on your register receipts or during checkout on macys.com.

New Credit Cards are opened with Silver status. 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 Cards will be upgraded to Gold status 7 days after spending $500-$1,199 at Macy’s on your Macy’s Credit Card. Macy’s Credit Cards will be upgraded to Platinum status 7 days after spending $1,200 or more at Macy's on your Macy's Credit Card.. Credit Cards that are upgraded will remain at that level for the remainder of the current calendar year.

1 Point per $1 Spent (Bronze):
Star Rewards members with Bronze status earn 1 point per $1 spent on Rewards Earning Purchases at Macy’s, Macy’s Backstage and macys.com, less returns, credits, discounts and adjustments. Points are not earned: on Macy’s gift cards, services (e.g.,  Subscription services, restaurants, salon services, alterations, etc.), fees, or sales tax; on purchases made outside of Macy’s or in any department that does not use a Macy’s point of sale register; or when redeeming Star Money, Macy’s Rewards Cards, or Macy’s gift cards. Every time 1,000 points are accumulated, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

2 Points per $1 Spent (Silver):
Macy’s Credit Cards with Silver status earn 2 points per $1 spent on Rewards Earning Purchases at Macy’s, Macy’s Backstage and macys.com with a Macy’s Credit Card, less returns, credits, discounts and adjustments. Points are not earned: on Macy’s gift cards, services (e.g., Subscription services, restaurants, salon services, alterations, etc.), fees, or sales tax; on purchases made outside of Macy’s or in any department that does not use a Macy’s point of sale register; when redeeming Star Money, Macy’s Rewards Cards, or Macy’s gift cards; or when paying with a virtual wallet other than Macy's Pay, even if you’re using a Macy’s Credit Card in the virtual wallet. Every time 1,000 points are accumulated, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

3 Points per $1 Spent (Gold):
Macy’s Credit Cards with Gold status earn 3 points per $1 spent on Rewards Earning Purchases at Macy’s, Macy’s Backstage and macys.com with a Macy’s Credit Card, less returns, credits, discounts and adjustments. Points are not earned: on Macy’s gift cards, services (e.g., Subscription services, restaurants, salon services, alterations, etc.), fees, or sales tax; on purchases made outside of Macy’s or in any department that does not use a Macy’s point of sale register; when redeeming Star Money, Macy’s Rewards Cards, or Macy’s gift cards; or when paying with a virtual wallet other than Macy's Pay, even if you’re using a Macy’s Credit Card in the virtual wallet. Every time 1,000 points are accumulated, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

5 Points per $1 Spent (Platinum):
Macy’s Credit Cards 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 returns, credits, discounts and adjustments. Points are not earned: on Macy’s gift cards, services (e.g., Subscription services, restaurants, salon services, alterations, etc.), fees, or sales tax; on purchases made outside of Macy’s or in any department that does not use a Macy’s point of sale register; when redeeming Star Money, Macy’s Rewards Cards, or Macy’s gift cards; or when paying with a virtual wallet other than Macy's Pay, even if you’re using a Macy’s Credit Card in the virtual wallet. Every time 1,000 points are accumulated, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

On Star Money Bonus Days, Star Rewards members with the designated loyalty status or statuses may earn points on Macy’s purchases at a level as described at the time an offer is made. Macy’s is under no obligation to offer any particular number of Star Money Bonus Days.

From time to time, Macy’s Cardholders and Bronze members may receive member-exclusive perks and offers when they shop with their Macy’s Credit Card or Star Rewards 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.

Exclusions apply and are disclosed on each Star Pass. We must have your current address and you must not have opted-out of receiving marketing mail from Macy’s as of the date we prepare Star Pass mailings.

Offer applies to standard shipping for purchases made to one location in the contiguous U.S. and may be applied to premium or overnight shipping or same-day delivery for an upgrade fee for purchases made by Bronze members or by Silver, Gold, or Platinum Star Rewards members when using a payment method other than a Macy’s credit card. To receive free shipping offer, members must identify themselves as Star Rewards members using a registered phone number or by presenting a Macy's credit card when shopping in-store, or by signing in to a macys.com account linked to their Star Rewards membership when shopping online. Minimum required spend excludes gift wrap charges, purchases of gift cards, and tax. A $10 shipping surcharge on domestic orders applies to purchases shipped outside the contiguous United States: Hawaii, Alaska, Puerto Rico, Guam, American Samoa, Micronesia, Marshall Islands, Northern 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 Macy’s store. Certain items bear a shipping surcharge, which will still apply.

Silver members get Free Shipping with a $25 minimum spend when using a Macy’s credit card. Gold and Platinum members get free shipping with no minimum spend requirement when using a Macy’s credit card. Offer applies to standard shipping to one location in the contiguous U.S. and may be applied to premium or overnight shipping or same-day delivery for an upgrade fee. For Silver members, minimum required spend excludes gift wrap charges, purchases of gift cards, and tax. A $10 shipping surcharge on domestic orders applies to purchases shipped outside the contiguous United States: Hawaii, Alaska, Puerto Rico, Guam, American Samoa, Micronesia, Marshall Islands, Northern Mariana Islands, Palau and U.S. Virgin Islands. Free 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 Macy’s store and payment is made with a Macy’s Credit Card. Certain items bear a shipping surcharge, which will still apply.

Get 3 points per $1 spent on your Macy’s American Express Card at restaurants. Restaurants are defined as stand-alone merchants in the U.S. that primarily serve food. Purchases made at a restaurant located within another establishment will not qualify for points. Get 2 points per $1 spent on your Macy’s American Express Card at gas stations and supermarkets. 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. 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 equivalents. American Express determines the industry category for merchants, but Macy’s reserves the right to determine which purchases qualify for points.

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

Offer valid in select cities. During the specified sales period, tickets are available to all Macy’s American Express Cardholders. Tickets must be purchased with a Macy’s American Express Card. Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Cardholders with disabilities.

American Express Travel Related Services Company Inc. is solely responsible for these offers, and is not affiliated with Macy’s Inc., Citibank, N.A. or their affiliates. All offers are subject to terms and conditions. Visit www.amexoffers.com/partnerterms for details. 

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, but can’t be exchanged for cash or used: to purchase Macy’s gift cards; for services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.); in any department that doesn’t use a Macy’s point of sale register; for any purchase that will be shipped outside the U.S.; or as payment on any credit account. To redeem a Star Money reward on orders of furniture and mattresses on macys.com, you must call Macy’s Customer Service. Star Money may not be redeemed when paying with a Macy’s Credit Card in a Macy’s store if you use an electronic wallet other than Macy’s Pay. Star Money cannot be redeemed in 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. Except as prohibited by law, if your Macy’s Credit Card or Star Rewards membership is closed by you or us, or you fail to make a qualifying purchase on your Macy’s Credit Card or Star Rewards membership during any consecutive 12-month period, all points and any unused Star Money will be forfeited. Additional terms and conditions apply; see macys.com/starrewards for complete program details.

Macy’s may change or terminate the program at its discretion without notice. If you are a Macy’s Credit Cardholder, your Macy’s Credit Card must be open and not delinquent to receive benefits. See the Macy’s Star Rewards Terms & Conditions at macys.com/starrewardsterms for complete program details.

American Express is a federally registered service mark of American Express and is used by Citibank, N.A. pursuant to a license. The Macy’s American Express Card program is issued and administered by Citibank, N.A.