| Category | Rate | Type | Cap |
|---|---|---|---|
|
Macy's Purchases — Platinum Status
Earn 5 points per $1 spent on eligible Macy's purchases for Platinum-status cardmembers; Platinum status is unlocked with $1,200 or more in annual Macy's spend using the card.
|
5x | Points | No cap |
|
Macy's Purchases — Gold Status
Earn 3 points per $1 spent on eligible Macy's purchases for Gold-status cardmembers; Gold status is unlocked with $500–$1,199 in annual Macy's spend using the card.
|
3x | Points | No cap |
|
Restaurants and Food Delivery
Earn 3 points per $1 spent at restaurants including delivery with the Macy's American Express® Card only; not available on the store-only Macy's Credit Card.
|
3x | Points | No cap |
|
Macy's Purchases — Silver Status
Earn 2 points per $1 spent on eligible purchases at Macy's stores, Macy's Backstage, and macys.com as a Silver-status cardmember; Silver is the default status for new credit card accounts.
|
2x | Points | No cap |
|
Gas Stations
Earn 2 points per $1 spent at gas stations with the Macy's American Express® Card only; not available on the store-only Macy's Credit Card.
|
2x | Points | No cap |
|
Supermarkets
Earn 2 points per $1 spent at supermarkets with the Macy's American Express® Card only; not available on the store-only Macy's Credit Card.
|
2x | Points | No cap |
|
All Other Purchases
Earn 1 point per $1 spent everywhere else American Express is accepted with the Macy's American Express® Card only; not available on the store-only Macy's Credit Card.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
30% Discount on First Day of Shopping
New cardmembers receive 30% off macys.com purchases on the day the account is opened; in-store discount amount may vary; total discount is subject to a $100 maximum savings.
|
Credits |
30% off (up to $100 savings) on first day
Up to $100
|
|
No Annual Fee
Both the Macy's Credit Card and the Macy's American Express® Card carry no annual fee.
|
Financial |
$0 annual fee
Up to $0
|
|
Amex Offers (Amex Card only)
Macy's American Express® cardholders have access to Amex Offers — special savings on shopping, dining, and more from American Express partners; offers must be added to the card and used at eligible merchants.
|
Lifestyle | Complimentary (varies by offer) |
|
Early Access to Entertainment Tickets (Amex Card only)
Macy's American Express® cardholders receive early access to premium tickets for concerts, theater, sports, and more throughout the year through American Express's entertainment access program.
|
Lifestyle | Complimentary |
|
Macy's App Account Integration
Cardmembers can manage their rewards and account through the Macy's App, including tapping into Star Money balances, viewing cardmember offers, and using Macy's Pay for in-store purchases.
|
Other | Complimentary |
|
Macy's Pay In-Store Mobile Payments
Cardmembers can use Macy's Pay through the Macy's app to quickly pay in stores without needing a physical card or cash.
|
Other | Complimentary |
|
Online Account Management
Cardmembers can manage their account online to check balances and available credit, review statements, and make payments through Citi's online account portal.
|
Other | Complimentary |
|
1X Points on All Other Purchases (Amex Card only)
Earn 1 point per $1 spent everywhere else American Express is accepted with the Macy's American Express® Card only; not available on the store-only Macy's Credit Card.
|
Rewards | 1x point per $1 |
|
2X Points at Gas Stations (Amex Card only)
Earn 2 points per $1 spent at gas stations with the Macy's American Express® Card only; not available on the store-only Macy's Credit Card.
|
Rewards | 2x points per $1 |
|
2X Points at Macy's — Silver Status
Earn 2 points per $1 spent on eligible purchases at Macy's stores, Macy's Backstage, and macys.com as a Silver-status cardmember; Silver is the default status for all new Macy's credit card accounts.
|
Rewards | 2x points per $1 at Macy's |
|
2X Points at Supermarkets (Amex Card only)
Earn 2 points per $1 spent at supermarkets with the Macy's American Express® Card only; not available on the store-only Macy's Credit Card.
|
Rewards | 2x points per $1 |
|
3X Points at Macy's — Gold Status
Earn 3 points per $1 spent on eligible Macy's purchases for Gold-status cardmembers; Gold status is attained with $500–$1,199 in annual Macy's purchases using the card.
|
Rewards | 3x points per $1 at Macy's |
|
3X Points at Restaurants and Food Delivery (Amex Card only)
Earn 3 points per $1 spent at restaurants including delivery with the Macy's American Express® Card only; not available on the store-only Macy's Credit Card.
|
Rewards | 3x points per $1 |
|
5X Points at Macy's — Platinum Status
Earn 5 points per $1 spent on eligible Macy's purchases for Platinum-status cardmembers; Platinum status is attained with $1,200 or more in annual Macy's purchases using the card.
|
Rewards | 5x points per $1 at Macy's |
|
Automatic Macy's Star Rewards Membership
All Macy's Credit Card and Macy's American Express® Card accounts are automatically enrolled in Macy's Star Rewards loyalty program at Silver status, with access to tiered earning and exclusive member benefits.
|
Rewards | Complimentary |
|
Star Money Redemption
Every 1,000 points converts to $10 in Star Money, redeemable toward Macy's merchandise at Macy's stores, Macy's Backstage, and macys.com; Star Money cannot be used for gift cards, services, or fees.
|
Rewards |
$10 Star Money per 1,000 points
Up to $10
|
|
$0 Liability on Unauthorized Charges
Cardmembers are protected against unauthorized charges on their account; Citibank will not hold the cardmember responsible for unauthorized transactions when reported promptly.
|
Security | Complimentary |
|
Bonus Savings and Cardmember Offers Throughout the Year
Macy's cardmembers in good standing receive exclusive bonus savings events, promotional discounts, and special offers throughout the year available only to cardmembers.
|
Shopping | Varies |
|
Exclusive Travel Benefits (Amex Card only)
Macy's American Express® cardholders have access to exclusive travel benefits through American Express; specific benefits and partners vary and are detailed through the cardholder benefits portal.
|
Travel | Complimentary |
