The TJX Rewards Platinum Mastercard is ideal if you frequently shop at T.J. Maxx and affiliated stores. If not, more rewarding and flexible options exist.
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The TJX Rewards® Platinum Mastercard®, issued by Synchrony Bank, can be a worthy sidekick for the deal-savvy shopper who hunts bargains at T.J. Maxx and its affiliated stores.
Typically, general credit cards don’t earn bonus rewards on purchases at discount outlets, so for T.J. Maxx loyalists who are already getting a marked-down price, this $0-annual-fee card is extra valuable.
It can be used anywhere Mastercard is accepted, but if you don’t frequently shop under the TJX brand umbrella, you’ll rack up rewards slowly and may find redemptions limiting.
Theres also a store-only version of this card. It offers some of the same perks, but can be used only at T.J. Maxx and its family of stores. This review focuses solely on the open-loop TJX Rewards® Platinum Mastercard®, which can be used anywhere Mastercard is accepted.
Marshalls, the popular off-price retailer owned by The TJX Companies, offers customers a private label credit card issued by Synchrony Bank. This TJX Rewards credit card can be used to finance purchases and earn rewards when shopping at Marshalls, TJ Maxx, HomeGoods, Sierra, and Homesense stores.
An Overview of Marshalls
Marshalls is a chain of off-price department stores that offers brand name clothing accessories beauty products, home goods, and more at 20-60% less than department store prices. The company was founded in 1956 and acquired by TJX in 1995. Today, Marshalls operates over 1,000 stores across 42 states.
Marshalls is known for its ever-changing selection of merchandise. You never know what you’ll find each time you visit, which makes it fun to browse and hunt for deals. The store gets new shipments of apparel and home goods every day. Brands carried include Ralph Lauren, Michael Kors, Kate Spade, Nike, Under Armour, Calvin Klein, and many more.
The TJX Rewards Credit Card
To enhance the shopping experience, Marshalls offers customers a co-branded credit card issued by Synchrony Bank The TJX Rewards Credit Card provides the following benefits
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Earn 5% back in rewards on purchases at Marshalls, TJ Maxx, HomeGoods, Sierra, and Homesense stores. There is no limit to the rewards you can earn
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Earn 1% back in rewards on other purchases when you get the TJX Rewards Platinum Mastercard version.
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No annual fee.
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10% off your first in-store purchase when approved for the card.
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Exclusive offers and shopping events for cardmembers.
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Monthly sweepstakes entry when using the card in-store.
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Digital access to rewards certificates within 48 hours at tjxrewards.com.
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Special financing offers on purchases over a certain amount.
To apply, customers can submit an application in stores or online. If approved, cardholders will receive a physical card in the mail within 7-10 days. They can also start using their card number online right away after approval.
The TJX Rewards Credit Card provides a way for loyal Marshalls shoppers to save even more. The rewards certificates earned can be applied to future purchases to lower the amount you pay.
How the TJX Rewards Credit Card Works
The TJX Rewards Credit Card offers cardholders 5 points for every $1 spent at Marshalls and other TJX stores. For example, if you spend $100 on a shopping trip, you’ll earn 500 points.
Every 1,000 points is redeemable for a $10 rewards certificate. So once you accumulate 1,000 points from your Marshalls purchases, you’ll receive a $10 certificate to use on a future purchase. There are no limits, so the more you use the card, the more certificates you can earn.
Certificates can be redeemed in-store or online at Marshalls, TJ Maxx, and HomeGoods. At the register, the cashier can scan the certificate barcode from your printed statement or email. When shopping online, the certificates will appear as a payment option during checkout if your card is linked to your online account.
The Platinum Mastercard version allows you to earn rewards anywhere Mastercard is accepted. You’ll get 1% back, or 1 point per $1 spent, on gas stations, restaurants, supermarkets, and other everyday purchases.
Credit Card Financing Offers
The TJX Rewards Credit Card also provides special financing offers on purchases over a certain amount. These promotional credit plans allow you to pay off a large Marshalls purchase slowly over time without interest.
For example, Marshalls may offer 12 months of interest-free financing on purchases of $200 or more. This means if you use your TJX Rewards Credit Card to buy a $500 coffee table from Marshalls, you can pay it off in 12 monthly installments of $41.67 without incurring interest charges.
The specific financing terms, such as duration and minimum purchase amount, vary throughout the year. Offers may provide 6, 12, or 18 months of interest-free financing. Customers can take advantage of these deals to make expensive purchases more affordable.
Benefits of the TJX Rewards Credit Card
The TJX Rewards Credit Card provides Marshalls shoppers with the following key benefits:
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Generous rewards program to earn certificates on every Marshalls purchase. There are no caps on how much you can earn back.
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Instant access to rewards certificates online when your card is linked to your tjxrewards.com account.
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Special cardmember-only offers, events, and coupons.
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10% discount on your first in-store purchase after approval.
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No annual fee.
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Financing plans to pay off large purchases over 6-18 months with no interest.
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Platinum Mastercard version earns 1% back at gas stations, supermarkets, and elsewhere.
For frequent Marshalls shoppers, the TJX Rewards Credit Card can provide great savings through rewards and promotional financing. The card also makes shopping more convenient with digital access to earned certificates.
Applying for the Marshalls Credit Card
To apply for a TJX Rewards Credit Card, customers can:
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Submit an application online at tjxrewards.com or from the Marshalls website.
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Apply in person at any Marshalls, TJ Maxx, or HomeGoods store. Ask an associate at the register for an application.
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Pre-qualify online without impacting your credit score using the Invitation to Apply form. If pre-approved, you can then submit a full application.
The application only takes a few minutes to complete. You’ll need to provide personal info such as your name, address, date of birth, and Social Security Number. The bank will then process your application by performing a credit check and assessing your creditworthiness.
If approved, you should receive a card within 7-10 business days. You’re then ready to start earning rewards on purchases immediately.
Synchrony Bank Issues the Marshalls Card
The TJX Rewards Credit Card is issued by Synchrony Bank on behalf of Marshalls. Synchrony Bank is a major issuer of consumer credit cards for retailers, brands, and banks. They issue cards for Amazon, Lowe’s, PayPal, Walmart, and many other companies.
The bank is responsible for approving applications, providing credit limits, sending out cards, and servicing accounts. Cardholders can manage their account online or via Synchrony’s mobile app. Customer service for questions and issues is provided by Synchrony Bank as well.
On their monthly statement, TJX Rewards cardholders will see charges from “Synchrony Bank” or “TJX Rewards”. Payments should be made to Synchrony Bank according to the instructions on the statement.
By partnering with Synchrony Bank, Marshalls is able to provide a co-branded credit card with robust rewards and financing offers. The bank handles all of the credit issuance while Marshalls provides branded benefits to loyal customers.
The TJX Rewards Credit Card issued by Synchrony Bank offers Marshalls shoppers an easy way to finance purchases and earn rewards. Key benefits include 5% back in certificates on all Marshalls purchases, no annual fee, exclusive offers for cardholders, and promotional credit plans. Customers can apply online, in store, or pre-qualify before submitting a full application. For Marshalls fans, the store credit card provides savings and convenience that amplifies the treasure hunt shopping experience.
T.J. Maxx loyalists can rake in rewards …
The TJX Rewards® Platinum Mastercard® offers a high in-brand rewards rate whether you’re shopping off the rack or on the web:
- 5 points per $1 spent at stores in the TJX family (T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post and Homesense).
- 1 point per $1 on all other purchases.
Points are worth a penny each, but theres only one redemption option: For every 1,000 points earned, you’ll get a $10 rewards certificate to spend on purchases in store or online at the above retailers. (Certificates can be issued in either $10 or $20 denominations.)
If you shop at T.J. Maxx at every opportunity, for all occasions — back to school, birthdays, holidays and such — you can score some serious points.
… But it’s not ideal for everyday purchases
Of course, you cant buy everything at T.J. Maxx. Your everyday spending on things like groceries, gas and restaurant meals will earn a paltry 1 point per $1, and youll be locked in to using those rewards in only one place: within the T.J. Maxx family of brands.
If youre looking for more flexible earning and redemption options, a cash-back credit card will work better for you.
The Wells Fargo Active Cash® Card, for example, offers 2% cash back on all purchases. That can add up much more quickly, and you can redeem your cash back as a qualifying bank account deposit, a statement credit or a check to use however you’d like. The annual fee is $0.
And, of course, you dont necessarily have to settle for just one card. You could use the TJX Rewards® Platinum Mastercard® on TJX purchases and the Wells Fargo Active Cash® Card everywhere else.
What Bank Is Marshalls Credit Card Issued By? – CreditGuide360.com
FAQ
What bank owns Marshalls?
Marshalls, Inc. is an American chain of off-price department stores owned by TJX Companies.
What bank does TJx use?
What credit bureau does TJx use?
How hard is it to get a TJX Credit Card?
Yes, the TJX Store Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.Mar 26, 2025
Does Marshalls offer credit card services?
Marshalls offers a variety of credit card services to make your shopping experience more convenient. You can manage your account online, choose from various payment methods, and do paperless billing. Quick transactions are also available so you can get in and out of the store quickly by scanning QR codes.
Is Marshalls credit card worth it?
Marshalls Credit Card is worth considering with no annual fees and numerous rewards options on specific purchases. The best feature of Marshall’s Credit Card is that you can use it wherever Mastercards are accepted. So, it works like a store-specific card and is commonly used by Mastercard.
What are the features of Marshall’s credit card?
The best feature of Marshall’s Credit Card is that you can use it wherever Mastercards are accepted. So, it works like a store-specific card and is commonly used by Mastercard. In this blog, you’ll know more about the features of Marshall’s Credit Card. You’ll also learn how to apply, register, and log in to your Marshalls Credit Card account.
Why should you use Marshalls credit card online?
The most favorable feature in this digital world is the online account access facility of Marshalls Credit Card. This facility doesn’t have to worry about your purchases and credit card bills. You can easily manage your credit card from the comfort of your couch.
How do I make a Marshalls credit card payment?
If you’re a Marshalls credit cardholder, you can make your payments by phone. Here’s how: Dial 1-877-890-3150 to reach the customer service number for Marshalls credit card payments. Enter your 16-digit TJX rewards credit card number when prompted. Choose whether you’d like to make a minimum payment, full payment, or another amount.
How do I access my Marshalls credit card account?
Follow the given steps to access your account: Go to the official Marshalls Credit Card Account. Enter the required credentials, such as your User ID and Password. Click on the Secure Login button, and that’s it! If you still haven’t registered for your TJX Rewards Platinum Mastercard Online Account, follow the given steps: