How do Marshall's Rewards work and how can I maximize my benefits?

Earn 5 points per $1 spent at Marshall's and other TJX family stores: The TJX Rewards® Credit Card allows cardholders to earn 5 points for every $1 spent at Marshall's, T.J.Maxx, HomeGoods, and Homesense.

Get 1 point per $1 on other purchases: For purchases made outside of TJX stores, cardholders earn 1 point per $1 spent on the TJX Rewards Platinum Mastercard.

Redeem rewards digitally in 48 hours: Rewards Certificates can now be redeemed online or in-store within 48 hours of being earned, thanks to the digital rewards program.

Manage your account on the go: The Marshall's mobile app allows you to view your earned Rewards Certificates, make bill payments, and check your card balance anytime.

Enjoy special cardholder shopping events: TJX Rewards Credit Card holders get early access to exclusive sales and events at Marshall's and other TJX stores.

Link your credit card to your online account: To access your digital rewards, you need to link your TJX Rewards credit card to your Marshall's.com account.

Earn rewards even without the card: You can still earn points by providing your phone number or email address associated with your TJX Rewards account at checkout.

Rewards don't expire: Your earned Rewards Certificates never expire, so you can save them up and redeem them whenever you're ready.

Potential for interest charges: As with any credit card, carrying a balance on the TJX Rewards card can result in interest charges, so it's best to pay off your balance in full each month.

Rewards program integration: The TJX Rewards program is integrated across all TJX brands, so you can earn and redeem points at Marshall's, T.J.Maxx, HomeGoods, and Homesense.

Potential for credit score impact: Applying for the TJX Rewards Credit Card may result in a hard inquiry on your credit report, which can temporarily impact your credit score.

Exclusions and restrictions: Certain purchases, such as gift cards, may not be eligible for rewards points, and there may be limits on the number of Rewards Certificates you can redeem per visit.