Best Credit Card for Marshalls in 2026
Marshalls is classified under MCC 5311 (Department Stores). The best card for Marshalls purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 3x on department stores — an effective return of 3.00%.
Does Marshalls accept Mastercard? Yes — Marshalls accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Department stores like Marshalls are crucial for those who want to maximize their rewards, especially if you're a fan of cash-back cards that offer higher rates on shopping.
To boost your rewards even more, check if Marshalls has any exclusive promo codes for extra cash back on top of your regular credit card rewards.
Spending Math
If you spend $200 a month at Marshalls with a card offering Shopper Cash Rewards at 3x, you earn $6.00 monthly or $72.00 annually. A basic 1% card would only net you $24.00 yearly.
Marshalls purchases are classified under MCC 5311 (Department Stores).
MCC Details for Marshalls
Best Credit Cards for Marshalls (2026)
How Marshalls Codes on Your Statement
When you pay at Marshalls at their locations, your card issuer sees MCC 5311 in the transaction data. This code tells your bank that the purchase was made at a department stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "department stores" purchases, Marshalls transactions will qualify — even if your card terms only mention a category name and not Marshalls specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Marshalls transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5311 qualifies for bonus rewards.
Bonus Category Match — Marshalls
About MCC 5311: Department Stores
Merchant Category Code 5311 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Department Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5311, all qualifying card programs that include department stores as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Department Stores merchants: Bealls, Belk, Bloomingdale's.
What You Could Earn at Marshalls
Spending $200/month at Marshalls with the Shopper Cash Rewards (3x on department stores) earns approximately $72/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $-23 more per year.