Marshalls Credit Card –> Our Honest Review With Pictures

If you’re a bargain hunter and love to hunt through Marshalls, you might be wondering if the Marshalls credit card is worth it. We take a careful look at the features, benefits, pros, and cons. 

Updated February 2024
Fact checked by John Wayman
Marshalls Credit Card featured image

If you’re a big bargain shopper like we are you probably love places like Marshalls, T.J. Maxx, and Amazon’s Daily Deals.

But do you shop enough to make getting the Marshalls Credit Card worth it?

We take a look at its pros and cons and compare it to other similar store credit cards. We did a close investigation and have all the details you need to make a decision below.

Interior of a typical Marshalls

Understanding the Marshalls Credit Card

What is the Marshalls Credit Card?

The Marshalls Credit Card is a retail credit card that is issued through Synchrony Bank. This card is specifically designed for Marshalls customers, and it allows you to earn rewards points for every dollar you spend at Marshalls. (or at their sister store TJ Maxx, HomeGoods, Sierra, and Home Sense). The rewards program is competitive with other retail cards and ensures you get the most bang for your buck with all your purchases.

It’s critical to understand that there are two versions of this card, with slightly different names:

  • The TJX Rewards Platinum MasterCard
  • The TJX Rewards Credit Card 

While the Platinum MasterCard version functions like a normal credit card and can be used at stores outside of the TJX system, the “regular” other version is a credit card that can only be used at TJX stores.

Benefits of the Marshalls Credit Card

With the Marshalls Credit Card, you can earn 5% back in rewards points for every dollar that you spend at any of the TJX retail stores, including Marshalls, HomeGoods, and TJ Maxx. This means that for every $100 you spend, you’ll receive $5 back in rewards points that you can use towards future purchases.

Rewards will come in the form of gift certificates, which can only be used at TJX stores. The certificates are issued in increments of $10. You earn 5 points for every $1 spent and rewards certificates are only issued once you have at least 1,000 points. Therefore, you’ll need to spend $200 before you get any rewards back. Rewards certificates expire after 2 years, but they are available on your phone through the app. 

Additionally, you can receive special offers and exclusive benefits as a cardholder. These rewards and benefits can include early access to sales and discounts, free shipping, and extended returns.

The rewards program is designed to be easy to use and understand. You can track your rewards points online or through the Marshalls app, and you can redeem them for discounts on future purchases.

How to Apply for the Marshalls Credit Card

Applying for the Marshalls Credit Card is easy, and you can do it both online and in-store. The online application process usually takes only a few minutes, and most people will receive a response within minutes of submitting your application (although this is not strictly guaranteed, some applications will be looked at more closely and will take longer to receive a response).

While Marshalls doesn’t publish a minimum credit score requirement, most store credit cards want to see at least a 650. If you don’t meet this requirement, you may want to work on improving your credit score before applying for the card.

Once you’ve been approved for the card, you’ll receive your new card in the mail within a few days. You can start using your card immediately to earn rewards points and take advantage of exclusive benefits.

Marshalls Credit Card Rewards Program

If you’re a frequent shopper at any of the TJX retail stores, you might want to consider signing up for the Marshalls Credit Card Rewards Program. This program offers a variety of benefits that can help you save money and make your shopping experience even more enjoyable.

Earning Rewards Points

One of the main benefits of the Marshalls Credit Card Rewards Program is the ability to earn rewards points. For every dollar you spend at any of the TJX retail stores, you’ll earn 5% back in rewards points. This means that if you spend $100 on your Marshalls Credit Card, you’ll earn 500 reward points. These points can add up quickly and can be redeemed for discounts on future purchases.

In addition to earning rewards points on your regular purchases, you can also earn points faster during special promotions and events. For example, during the holiday season, you might be able to earn double or triple rewards points on your purchases. Keep an eye out for these promotions to maximize your rewards points.

Redeeming Rewards Points

Redeeming your rewards points is easy and can be done at the checkout when shopping at any of the TJX stores. You can redeem your points for a discount on your purchase amount or even pay with your rewards points to make your shopping experience even more affordable.

It’s important to note that rewards points do expire, so it’s best to redeem them as soon as possible to avoid losing them. You can check your rewards points balance online or on your monthly statement.

Exclusive Cardholder Benefits

As a Marshalls Credit Card holder, you’ll also have access to exclusive benefits that can make your shopping experience even better. For example, you’ll get early access to sales and discounts, which can help you snag the best deals before they sell out.

You’ll also get free shipping on online orders, which can save you money on shipping fees. And if you need to return an item, you’ll have an extended return window, which can give you more time to decide if you want to keep the item or not.

Overall, the Marshalls Credit Card Rewards Program is a great way to save money and enjoy exclusive benefits while shopping at TJX retail stores. If you’re a frequent shopper, it’s definitely worth considering.

Marshalls is fun to bargain hunt in

Managing Your Marshalls Credit Card Account

Marshalls Credit Card is a great way to save money while shopping at Marshalls. However, managing your credit card account is equally important to ensure that you do not fall behind on your payments and incur any late fees or interest charges. Here are some tips to help you manage your Marshalls Credit Card account effectively:

Online Account Management

You can monitor your account balance and transactions online by logging into your account on the Synchrony Bank website. Online account management allows you to view your account activity, check your balance, and make payments from the comfort of your home or office.

Furthermore, online account management provides you with access to your account statements, which you can download and print for your records. You can also view your payment history, which can help you keep track of your payments and avoid late fees and interest charges.

Another benefit of online account management is that it allows you to set up customized alerts and notifications. You can choose to receive email or text notifications when your payment is due, when a payment has been received, or when your balance reaches a certain threshold.

Mobile App Features

In addition to online account management, you can manage your Marshalls Credit Card account using the Synchrony Bank mobile app. The app is available for both Android and iOS devices and can be downloaded from the App Store or Google Play Store.
The Synchrony Bank mobile app provides you with all the features of online account management, plus additional features that are specific to mobile devices. With the app, you can check your account balance, pay your bill, and even sign up for push notifications to stay on top of your account activity.

Making Payments and Avoiding Late Fees

It’s essential to make on-time payments to avoid any late fees and interest charges. With the Marshalls Credit Card, you have several payment options, including online payments, mail-in payments, and in-person payments.

Online payments are the most convenient and secure way to make your payments. You can make a one-time payment or set up automatic payments to ensure that you never miss a payment. You can also schedule payments in advance, which can help you manage your cash flow and avoid any late fees.

Mail-in payments are another option, but they can take longer to process, which means that you need to send your payment well in advance of your due date. In-person payments are also an option, but they are only available at select locations.

There's always plenty of knick knacks available around the checkout area

Marshalls Credit Card Fees and Interest Rates

Store Credit cards tend to have very high interest rates, so it’s important to understand the fees and interest rates associated with the card.

Annual Percentage Rate (APR)

The Marshalls Credit Card has a sky-high variable APR of 31.49%!. This rate is higher than many other retail cards but is not uncommon for a card of this type. It’s essential to pay your balance in full each month to avoid any interest charges. If you carry a balance on your card, the interest charges can quickly add up and make it difficult to pay off your debt.

It’s important to note that the APR can vary depending on your creditworthiness. If you have a good credit score, you may be able to qualify for a lower APR. However, if your credit score is lower, you may be subject to a higher APR.

Cash Advance Fees

Cash advance fees are $10 or 4% of the transaction amount, whichever is greater. This fee applies when you use your credit card to withdraw cash from an ATM or bank. It’s important to avoid cash advances whenever possible, as they can be very expensive and can quickly add up. Note that this is only available on the Platinum Mastercard version of this card, not on the regular TJX Rewards Credit Card version.

Foreign Transaction Fees

There is no foreign transaction fee, however, foreign transaction amounts will be converted to USD at a rate that Mastercard determines. Similar to cash advances, this is only available on the Platinum Mastercard version of this card.

Comparing the Marshalls Credit Card to Other Retail Cards

When it comes to retail credit cards, there are many options to choose from. In this article, we will compare the Marshalls Credit Card to other popular retail cards and see how they stack up against each other.

Marshalls Credit Card vs. Target REDcard

The Target REDcard is another popular retail credit card that offers some great benefits. With the REDcard, you can get an immediate discount of 5% on every purchase you make at Target stores, online, and in-store. This can add up to significant savings over time, especially if you are a frequent Target shopper. The REDcard also comes with free shipping and extended returns, which can be very convenient. The immediate discount, instead of having to use rewards certificated is an advantage the Target REDcard has over this one. 

Marshalls Credit Card vs. Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is a credit card that offers rewards points for purchases made on Amazon and Whole Foods Market. If you are a frequent Amazon shopper, this card can be a great way to earn 5% back rewards on your purchases. The card also comes with additional perks such as no foreign transaction fees, travel insurance, and purchase protection. But it has ad advantage over the Marshalls credit card in that it also offers 5% travel rewards with Chase, and 2% rewards at gas stations and restaurants. 

Check out counter credit card offer

Frequently Asked Questions About the Marshalls Credit Card

If you’re a frequent shopper at Marshalls, you might be considering applying for their credit card. Here are some common questions and answers to help you make an informed decision.

Can I Use My Marshalls Credit Card at Other Stores?

The regular version – TJX Rewards Credit Card – can only be used at the TJX family of stores (Marshalls, TJ Maxx, HomeGoods, Sierra, and HomeSense). The Platinum MasterCard version can be used like a normal credit card everywhere MasterCard is accepted, however, you will only earn 1% rewards at stores outside of the TJX family. 

What is the Credit Score Requirement for the Marshalls Credit Card?

While this is not officially published, we’d estimated that the Marshalls Credit Card requires a minimum credit score of 650 for approval. However, keep in mind that approval is not solely based on credit score. Other factors, such as income and credit history, are also taken into consideration.

How Do I Contact Marshalls Credit Card Customer Service?

  • The Synchrony website offers a virtual chat assistant and you can also connect to a live email
  • Phone number: 1-800-952-6133

Is Marshalls card a credit card?

The TJX Rewards Credit Card is a credit card that can only be used at TJX stores. While the TJX Rewards Platinum Mastercard functions more like a “normal” credit card and can be used anywhere MasterCard is accepted.

Is Marshalls credit card free?

Yes, there is no annual fee. However, if you carry a balance from month to month, the interest rate is very high

What bank is Marshalls credit card?

The Marshalls credit card is issued by Synchrony Bank, one of the largest store credit card issuers in the United States.


Editor's Note:

At Personal Finance Guru, we want to help you maximize your lifestyle through personal finance. You can trust the integrity of our independent financial advice. Our opinions are our own and have not been provided, reviewed, approved, or endorsed by any advertiser or financial product provider. To support and grow the site, however, we may receive compensation from the issuers of some products.

Meet the Author:

Cody Beecham

Cody Beecham


Cody is the founder and owner of Personal Finance Guru. His day job is as a management consultant at one of the Top 3 firms (think Mckinsey, Bain), where he advises Fortune 500 C-suite clients on their most important and pressing business problems. He completed his business education at Harvard Business School. 

After seeing the lack of personal finance education for regular people, Cody started the website with the mission to provide everyone access to information that will help them achieve their financial goals.

Cody approaches personal finance from a maximalist perspective, shunning typical advice around simply not buying a cup of coffee instead of more effective methods like investing in yourself to quickly grow your income. 

He believes in saving money and investing for the future, but he also knows that you need to enjoy life today. That’s why Cody approaches money with a sense of humor and a positive attitude. He knows that if you’re not having fun while you’re growing your wealth, then what’s the point?

Cody approaches life with the same gusto that he brings to personal finance. He loves to travel and experience new cultures, and he is an avid reader and learner. He also enjoys playing sports (especially tennis) and spending time with his family and friends.