New Account Discount: Subject to credit approval. See an associate for details. The new Credit Card 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. The Discount is limited to a total of $100 over the two days. 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. Discount does not apply to upgrades of a Macy’s Credit Card to a Macy’s American Express Card. 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.

No Annual Fee: As of August 15, 2021, APR 25.24% (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $2.00. For Macy’s American Express® Cards: Cash Advance Fee: The greater of $5.00 or 4% of the amount of each cash advance. Transaction Fee for Purchases in Foreign Currency: 3% of the U.S. Dollar amount of each purchase. See Credit Card Agreement for details.

Loyalty Status: 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. Credit Cards that are upgraded will remain at that level for the remainder of the current calendar year.

Rewards at Macy’s: Macy’s Cardholders at Silver status earn 2 points for every $1 spent, Gold status earn 3 points for every $1 spent, and Platinum status earn 5 points for every $1 spent on Rewards Earning Purchases at Macy’s, macys.com, and Macy’s Backstage, less returns, credits, discounts and adjustments. Points are not earned on purchases made outside of Macy’s, Macy’s Gift Cards, services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), in any department that does not use a Macy’s point of sale register, fees, sales tax, when redeeming Star Money, Macy’s Rewards Cards or Macy’s Gift Cards, or when paying with a virtual wallet. For every 1,000 points, a $10 Star Money reward will be issued. Star Money expires 30 days after issuance.

3.2.1% Rewards: 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.

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 services (e.g., Beauty Box and other subscription services, restaurants, salon services, alterations, etc.), 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. 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 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.

Star Pass Coupons: 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.

Star Money Bonus Days: 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.

Birthday Surprise: The primary Cardholder on a Macy’s Credit Card and Bronze members 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 Macy’s Credit Card or with your membership in the past 12 months. 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 Birthday mailings. You may need to visit a Macy’s store to receive your birthday surprise.

Perks & Offers: From time to time Macy's Cardholders and Bronze members may receive 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.

Perks & Offers: From time to time Macy's Cardholders and Bronze members may receive 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.

Free Shipping with No Minimum Purchase: Offer applies to standard shipping to one location in the contiguous 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 with Gold or Platinum status. Due to size and/or weight, certain items bear a shipping surcharge, which will still apply.

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.