3%-2%-1% Out of Store Rewards: Restaurants are defined as stand-alone merchants in the U.S. that primarily serve food. Purchases made at a restaurant located within another establishment (e.g., a restaurant inside a hotel, casino, event venue or retail store, including Macy's) may be recognized as purchases at that other establishment, and not at a restaurant, and 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 3 points per $1 spent. 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. American Express determines the industry category for merchants, but Macy's reserves the right to determine which purchases qualify for 2 points per $1 spent. 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 equivalent transactions, lottery tickets, pari-mutuel betting and casino gambling. American Express Cards are not presently accepted for the purchase of bets, lottery tickets or casino gaming chips.

Star Money Rewards: Once you accumulate 1,000 points, a $10 Star Money reward will be issued. Star Money rewards may be used to purchase merchandise at Macy's, Macy's Backstage or macys.com. Star Money rewards may not be exchanged for cash, used to purchase Macy's Gift Cards, used for furniture and mattress purchases made on macys.com, used for Beauty Box subscription services, used at restaurants inside a Macy's store, 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. Star Money rewards may not be redeemed in a Macy's store if you use an electronic wallet or self-checkout. Each Star Money reward is valid for 30 calendar days from issuance. Purchases made solely with Star Money rewards 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 rewards will be forfeited. See macys.com/starrewards for the full terms and conditions.