Get 10 points per $1 spent at qualifying U.S. Supermarket: Non-transferable. You must activate this offer to earn 10 points per $1 spent at qualifying U.S. Supermarkets made outside of Macy’s with your Macy’s American Express Card. Offer is valid January 1, 2026 (or from the date you activated this offer, whichever date is later) through March 31, 2026. 10 points includes 2 points per $1 spent earned as a part of 3.2.1 Points per $1 Spent (see below disclosure) plus 8 bonus points per $1 spent for a total of 10 points per dollar spent on qualifying supermarket purchases. Purchases made at Macy’s or within any establishment located in Macy’s will not qualify for this offer. Bonus points will be issued within 1 billing cycle of the purchase, less returns, credits, discounts, and adjustments. Supermarkets are defined as stand-alone merchants in the U.S. that primarily sell supermarket products, excluding superstores and warehouses.  Online grocery delivery services, including but are not limited to Instacart, are excluded. Qualifying purchases must post during the promotional period. 

3.2.1. Points per $1 Spent: Get 3 points per $1 spent 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 (including Macy’s) will not qualify for points. Get 2 points per $1 spent 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. that primarily sell 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, other cash equivalents and balance transfers. 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 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 where prohibited by law, 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.   

Except as prohibited by law, 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 and the American Express logos are trademarks of American Express Company and its affiliates. This Card is issued by Citibank, N.A. pursuant to a license from American Express.