Macy's American Express Card
American ExpressIssued by Department Stores National Bank
3% back in rewards at restaurants; 2% back at gas stations and supermarkets; 1% back on all other purchases; 1,000 points = $10 Star Money redeemable at Macy's
ANNUAL FEE
—
PURCHASE APR
—
SIGN-UP BONUS
100
Get 30% off Macy's.com purchases on the day you open a Macy's card, saving up to $100. Discount in store varies.
TOP CASH BACK
3%
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.
Key Benefits
- 3% back in rewards at restaurants including delivery
- 2% back in rewards at gas stations and supermarkets
- 1% back in rewards everywhere else
- 1,000 points = $10 Star Money reward redeemable at Macy's
- Amex Offers — special offers on shopping, dining, travel and more
- Entertainment Access — presale tickets to shows, sporting events and concerts
- Travel Benefits — bonus travel upgrades and savings
- Track Star Money progress in the Macy's app
Important Limitations
- Those who rarely shop at Macy's as Star Money is only redeemable at Macy's
- Those seeking high flat-rate rewards on all purchases outside Macy's
- Those who want cash back instead of store-specific rewards
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Restaurants Including Delivery | 3% | Unlimited (no annual cap) | 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. |
| Gas Stations and Supermarkets | 2% | Unlimited (no annual cap) | 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. |
| Supermarkets | 2% | Unlimited (no annual cap) | Get 2 points per $1 spent on your Macy's American Express Card at supermarkets. Supermarkets are defined as stand-alone merchants in the U.S. primarily selling supermarket products, excluding superstores and warehouses. |
| All | 1% | Unlimited (no annual cap) | 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. Cash advances, money orders and other cash equivalents do not earn points. |
Fees & APR
ANNUAL FEE
—
FOREIGN TRANSACTION FEE
0%
Card Protection & Benefits
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 is valid for 30 calendar days from issuance. Star Money may not be exchanged for cash, used to purchase Macy's Gift Cards, used for services, used in any department that does not use a Macy's point of sale register, used for any purchase shipped outside the U.S., or used as payment on any credit account. Star Money may not be redeemed in a Macy's store if you use an electronic wallet or self-checkout.
- ✓Must accumulate 1,000 points to receive a $10 Star Money reward
- ✓Card account must remain open and not delinquent
- ✓Must make a qualifying purchase on your Macy's Credit Card during any consecutive 12-month period to avoid forfeiture of points
- ✓May not be exchanged for cash
- ✓May not be used to purchase Macy's Gift Cards
Amex Offers
- ✓Save with special offers on shopping, dining, travel and more through American Express. All offers are subject to terms and conditions.
- ✓American Express Travel Related Services Company Inc. is solely responsible for these offers and is not affiliated with Macy's Inc., Department Stores National Bank or their affiliates
Entertainment Access
- ✓Get presale tickets to shows, sporting events and concerts. Offer valid in select cities. Tickets must be purchased with a Macy's American Express Card. Standard service charges apply. Not all seats are available and blackout dates apply. All sales final — no refunds, no exchanges.
- ✓Tickets must be purchased with a Macy's American Express Card
- ✓Offer valid in select cities only
- ✓Standard service charges apply
- ✓Not all seats are available and blackout dates apply
- ✓All sales final — no refunds and no exchanges
Best Use Cases
IDEAL FOR
- Frequent Macy's shoppers who want to earn Star Money rewards
- Those who regularly dine at restaurants and want 3% back
- Those who spend on gas and groceries and want 2% back
- Those who want access to entertainment presale tickets and travel benefits
NOT RECOMMENDED FOR
- Those who rarely shop at Macy's as Star Money is only redeemable at Macy's
- Those seeking high flat-rate rewards on all purchases outside Macy's
- Those who want cash back instead of store-specific rewards
Maximize Your Rewards Strategy
Earn More Cash Back
- 3% on Restaurants Including Delivery
- 2% on Gas Stations and Supermarkets
- 2% on Supermarkets
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Terms subject to change · View full terms
Last updated: Mar 17, 2026
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