6 Points per $1 Spent (Restaurants): Non-transferable. You must activate the offer to earn 6 points per $1 spent on qualifying Restaurant purchases, including delivery and takeout, made outside of Macy’s with your Macy’s American Express Card. 6 points include 3 points earned as a part of 3.2.1 rewards (see below disclosure) plus 3 bonus points for a total of 6 points per dollar spent on qualifying out of store restaurant purchases. Purchases made at Macy’s or within any establishment located in Macy’s will not qualify for this offer. Offer valid from 10/1/24- 12/31/24. Bonus points will be issued within 1 billing cycle of the purchase, less returns, credits, discounts, and adjustments. Excludes cash advances, the purchase of money orders and other cash-equivalent transactions. 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. American Express determines the industry category for merchants, but Macy’s reserves the right to determine which purchases qualify for points. For every 1,000 points, a $10 Star Money reward will be issued that is valid for 30 days. Star Money expires 30 days after issuance. 

3.2.1 Points per $1 Spent: 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 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.   

Macy’s may change or terminate the program at its discretion without notice. Except where prohibited by law, 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.