With the Macy's American Express® Card, you'll receive the same great benefits you get with a Macy's Credit Card, plus it can be used at millions of places worldwide where American Express® Cards are welcome.

Plus, Macy's Amex cardholders earn rewards for purchases made outside of Macy's:

• 3 points at Restaurants
• 2 points at Gas Stations & Supermarkets
• 1 point Everywhere else

Having a Macy's American Express® Card will also make you eligible to receive additional offers.

Please, note the following disclosures:

• You must activate the offer to participate.
• Offer is valid from the date activated.
• Purchases made before activating the offer do not qualify.
• Points will not appear until the end of the bill cycle and may take 2-3 billing cycles to be applied to their Rewards Account Balance.
• You must have a positive points balance when points are issued to receive Star Money.
• Excludes cash advances, the purchase of money orders and other cash-equivalent transactions.

When you upgrade from a Macy's Credit Card to a Macy's American Express® Card, there is no fee.

If you accept an upgrade offer, you may continue to use your Macy's Credit Card until your new Macy's American Express® Card arrives. Once you receive your new Card, your current Card will no longer be valid and should be destroyed.

Any existing Macy's Credit Card account balance will be transferred to your new Macy's American Express® Card account, and you'll be assigned a new account number. If you have an existing promotional balance, the terms of your promotion, including the expiration date, will not change.

Your Star Rewards loyalty level and any points earned with your Macy's Credit Card will be transferred to your new Macy's American Express® Card.

You can continue managing your credit card account, check your balance, make online payments, and set up account alerts online using your existing login ID and password.

Because your Macy's Credit Card account will be automatically replaced on your credit report with your new Macy's American Express® Card account, it will not change the number of open accounts on your report. Your account history and original account open date will remain the same. We can't guarantee what impacts this replacement upgrade will have—how you use and manage your credit accounts could impact your credit score.

Yes, when you use your Macy's American Express Card outside the USA, excluding Puerto Rico and Guam, you will be charged an International Transaction Fee of 3% on purchases and cash advances made in a foreign currency.

• The International Transaction Fee is a fee on any international transactions submitted to us in a foreign currency
• We do not charge an International Transaction Fee if the transaction receipt clearly states the transaction has been conducted solely in USD, or US dollars