10 points per $1 Spent on Qualifying Travel purchases: Get 10 points per $1 spent on qualifying Travel purchases. Non-transferable. You must activate this offer to earn 10 points per $1 spent on qualifying Travel purchases made outside of Macy’s with your Macy’s American Express Card. Offer is valid from 4/1/26 – 6/30/26. 10 points includes 1 point per $1 spent earned as a part of 3.2.1 Points per $1 Spent (see below disclosure) plus 9 bonus points per $1 spent for a total of 10 points per dollar spent on qualifying travel purchases. Purchases made before the offer period do not qualify. Purchases must post to your account during the promotional period. Purchases may not post to your account until your item(s) has shipped or for other reasons. Qualifying purchases must be made at a merchant in the U.S. whose primary business includes car rentals, tours, hotel stays, timeshare rentals, vacation rentals and home sharing, cruises, trains, buses and airfare scheduled flight or a passenger carrier, chartered flights and private jets.

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 used for gift cards, services (e.g., Beauty Box and other subscription services, restaurants, etc.), in departments without a Macy’s 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 if you use an electronic or virtual wallet other than Macy’s Pay 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. Except as prohibited by law, if your Macy’s account is closed by you or by us, or you fail to make any qualifying purchases on your Macy’s account during the calendar year, all points and any unused Star Money Rewards will be forfeited. 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.

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.