Independent credit card comparisonsAdvertiser Disclosure
BestCreditCardsGuide

TJX Rewards® Platinum Mastercard®: “Maxximize” Your Rewards

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Good / Fair
Card network
Mastercard
Regular purchase APR
32.24% variable based on the Prime Rate
Apply Now for TJX Rewards® Platinum Mastercard® (opens in a new tab)Compare this card
Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The TJX Rewards® Platinum Mastercard® has a good deal of potential for fans of T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense. With no annual fee, cardholders will earn 5% back on all store purchases which comes out to $10 off for every $200 spent.

Our review of the TJX Rewards® Platinum Mastercard®

If you’re a fan of TJX stores like T.J. Maxx, Marshalls, and HomeGoods, the TJX Rewards Platinum Mastercard could be a valuable addition to your wallet. This retail credit card, issued by Synchrony Bank, allows you to earn 5% back in points on all purchases made at TJX family stores. While the signup bonus is minimal, the ongoing rewards can add up for frequent shoppers.

Welcome Offers

The signup bonus for the TJX Rewards Platinum Mastercard is a basic 10% off coupon that can be used in-store or online. While not the most enticing offer, it’s the only discount shoppers will see from TJX, as the retailer doesn’t typically have sales or offer coupons. The ongoing rewards program, however, makes up for the lackluster signup bonus.

Earning TJX Rewards

With the TJX Platinum Mastercard, you’ll earn 5% back in points on purchases at TJX family stores, including T.J. Maxx, Marshalls, and HomeGoods. All other purchases will earn 1% back, making this card ideal for frequent TJX shoppers. The card’s practical value is significant, as TJX stores are not typically eligible for high rewards on other credit cards.

Store Card Option

The TJX credit card program offers both Mastercard and store card options. The Mastercard offers additional rewards and benefits, including rewards on purchases outside of TJX stores. The store card, on the other hand, has lower credit requirements and limits but still offers the same 5% back in rewards at TJX stores.

TJX Point Valuations

TJX points are valued at 5 cents each, making them more valuable than points from many other rewards cards. Reward Certificates can be redeemed for $10 values and are automatically issued for every 1,000 accrued points. Points never expire, but Reward Certificates must be used within two years of earning.

Should You Apply for the TJX Rewards Platinum Mastercard?

While the TJX Rewards Platinum Mastercard may not offer a wide range of benefits or rewards, it can be a valuable choice for TJX store enthusiasts. The 5% back in rewards on all TJX purchases is a significant perk, especially for those who frequent these discount retailers. Overall, if you’re a fan of T.J. Maxx, Marshalls, or HomeGoods, the TJX Rewards Platinum Mastercard could be a worthwhile addition to your wallet.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Receive 10% off your first purchase (in-store or online)
  • 5% back at purchases at all TJX stores
  • Earn & redeem rewards at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores
  • No foreign transaction fees
  • No annual fee

Who this card may suit

  • You shop at TJX stores (T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense) at least once every month
  • You spend at least $200 at TJX stores every year
  • You prefer credit card rewards in the form of store vouchers
  • You will pay your balance in full every month

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR32.24% variable based on the Prime Rate
Cash Advance APR29.99%
Cash Advance Transaction Fee$10 or 4% of the amount of each cash advance, whichever is greater
Late Payment Penalty FeeUp to $38

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.

Apply Now for TJX Rewards® Platinum Mastercard® (opens in a new tab)View issuer terms for TJX Rewards® Platinum Mastercard® (opens in a new tab)

TJX Rewards® Platinum Mastercard®

Apply Now for TJX Rewards® Platinum Mastercard® (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

Similar cards