Posted by William Charles on April 14, 2016
Credit Card Review

Published on April 14th, 2016 | by William Charles

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New Synchrony Marvel Mastercard Launched, No Annual Fee & 3%

Marvel has partnered with Synchrony Bank to release a new Marvel credit card. The card is actually pretty decent and the card art is amazing for Marvel fans. Let’s look at the card benefits first:

Card Benefits

  • No annual fee
  • $25 statement credit after first purchase
  • Card earns at the following rates:
    • 3% cash back on: Dining, Select Entertainment (Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores), Online At Marvel.com and Marvel’s Official Merchandise Boths
    • 1% cash back on all other purchases
  • 10% off merchandise merchants at Marvel.com (looks like a specific card promo code is required, and specifically states it can’t be stacked with other offers)
  • Free shipping at Marvel.com during certain times of the year
  • Special discount on Marvel Unlimited or Marvel digital comics (if you’re not a Marvel Unlimited subscriber, you get three months for free. If you are you’ll be sent an e-mail with the opportunity to redeem Marvel Unlimited comics – whatever that means)

Card Designs

The card comes with five different designs to choose from:

card-1 card-2 card-3 card-4 card-5

Our Verdict

3% cash back on dining is as good as it gets (apart from Discover it & Chase Freedom with their rotating 5% categories), the entertainment categories could be useful as well but you’re only get 1% more than a standard 2% card so nothing that crazy. The fact that the sign up bonus is only $25 really kills this card for me. You’d need to spend $10,000 on the 3% categories to receive $300 in cash back and if you used a 2% card you’d be getting $200 cash back instead, so you’re probably better off getting a different card with a high cash back bonus instead.



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Jeff
Jeff

Any idea about the redemption process or minimums for cash back?

Aahz
Aahz

“Cash back earned during a billing cycle will be calculated at the end of your billing cycle and issued as a statement credit to your Account within two billing cycles”

Adam

I like Marvel as much as the next guy… but you really shoulda put this stinker (blame Synchrony) in the Weird Wednesday series for being a lame card that almost could (be decent.) but falls short.

I suppose you could still tag this post in that category.

Ben
Ben

That Captain America design is pretty amazing, though.

DonT
DonT

Amazon=books?

H
H

Same thought as @DonT. If “Books” category = Amazon then not bad, Even so, AT&T card would still cover a lot more online purchases.

J T
J T

I don’t know if it’s the same, but points expire on the Synchrony Paypal card. And you need 6000 points to even cash out, meaning you will probably lose your points if you don’t make it your main card.

I expect this is the same deal. 3% on entertainment would be nice if it was a different card. Also, the Synchrony points on the paypal card are worth less than $.01, so maybe it’s not really 3%.

Aahz
Aahz

It’s not remotely the same.

This card awards cash back. Not points.

Redemption is automatic with no minimum.

J T
J T

Good point, thanks for pointing that out. I actually found the fine print this time:

“1 Purchases subject to credit approval. Cashback will appear as a statement credit within two billing cycles. See Cashback Program Terms for details.”

This looks like a great “card with a job”, but knowing Synchrony, there has to be a terrible catch.

3% for practically any ticket purchases – best deal I know.
3% for dining – very good
“Digital Entertainment, Games, and Software” – Who else can give me 3% on Steam purchases? So tempting.

dima
dima

this is exactly what i’m thinking.. i actually collect PC games and spend a lot on steam, humble bundle, other various bundle sites.. i’m going to apply for this card just to see what happens, this might be my new main “pc gaming” card

Time Mage
Time Mage

This is also why I am interested in the card. I already have 3% on Dining from Sam’s club (I would switch to this because I wouldn’t have to wait a year) but do any other cards give you 3% back on game/toy stores/entertainment? I probably should go for cards with higher bonuses but I like having the right card for everything.

NoonRadar

If there was a venue via which you’d get VGCs at about 1% activation fee cost (similar to grocery stores) this would be a good card to add to your wallet. Otherwise, unless you can use it to pay for a lot of dinning, like work related and stuff, prob it won’t be worth it for most churners.

SlippinJimmy
SlippinJimmy

I don’t see the downside here.. No annual fee, 3% on dining and some entertainment… Can’t go wrong if you’re looking for a cash back card. BTW, 3% is WAY better than 2%, in fact it’s 50% better.

Stvr
Stvr

Forex is 3%

CJ
CJ

Might be worthwhile if you could use the shopping cart trick to avoid a hard pull.

I doubt that happens though.

barrytuneup
barrytuneup

you can 3% on dining with the Amex simply business!

Peter
Peter

Thanks William! I just got approved for card. Cool designs! Also wife wanted one because it’s Marvel. So, I added her as authorized user.

scott
scott

Hey Peter! If you happen to buy something on ticketmaster, could you let us know if it counts as 3%?

Thanks!

TE
TE

The card has an automatic redemption on every statement, so its better than the AARP card which requires a minimum of $25 to be redeemed ($833 in dining before getting the cashback)

$25 sign up bonus isn’t that great but its better than nothing, but having one card for all entertainment and dining with automatic statement credits makes it worthwhile as an everyday spend card.

Thomas N.
Thomas N.

Just received preapproved letter in mail box. $25 statement credit after firs purchase and make first purchase by March 10, 2017, an additional $75 statement credit.
It’s will be soft pull when I accept this preapproved?

Thomas N.
Thomas N.

$100 for hard inquiry? Noooo, pass it.
Thanks Will

J. Burnside
J. Burnside

PLEASE READ. Something is VERY WRONG with the support team behind this card. I obtained this card because I am an avid fan of Marvel and I thought it would be great to have. I applied for and received the card specifically to use on a $2700 car repair. On November 22nd, Wife and I are at the dealership attempting to use the card to pay for the repair. It did not work and was declined. I knew immediately it had to do with the amount being charged. While at the dealership I called the customer service number on the card. After 15 frustrating minutes of trying to work through the automated system, I finally reached Carlos in the Customer Service Department. He stated the card was flagged for possible fraud. At his request, I provided all my phone numbers, mother’s maiden name and social security #. He claimed he could not verify my identity. He said he would need to call my phone and leave a message with a code and I was to call back with that code and provide it to the next Customer Service Rep. I asked him point blank, will any customer service rep be able to help me, or do I need to get back in touch directly with you. No, anyone can help you he stated. So we get his message, spend another frustrating 15 minutes working through the automated system and finally get to Jennifer in Customer Service. She tells me that Carlos was wrong. She cannot work with the code he provided so I go through all of the same with her. I give her all of the same info, and she cannot verify identity. I ask her why, she has no idea. This makes no sense at all to us. So we are on hold for 20 MINUTES while she talks with a manager. She comes back and says she needs to call our phone and provide a code and we need to give that code to her. Except we kept her on a Cell this time. We get the code, give it to her, she says we are good to go, we are verified. Dealership runs card, declined. She says she doesn’t know what is going on. On hold again for 10 minutes. She comes back and tells me Manager has corrected problem, you are good to use the… Read more »

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