TJX Rewards® Platinum Mastercard®

For People with
Fair Credit



The TJX Rewards® Platinum Mastercard® provides points for shopping at T.J. Maxx and affiliates, as well as special additional shopping benefits.

This card has no annual fee or foreign transaction fees, but it does boast an unusually high APR of 29.24% Variable.

You’ll get 5X points per dollar for using this card at T.J. Maxx and affiliates, and 1X point per dollar for using it anywhere else Mastercard is accepted.

You may want a different card instead

This is a store-branded card with lots of bad reviews. You may be able to get better rewards and terms with a cash back credit card that isn't for a specific store.

Cash Back Cards

Where can I use my TJX Rewards® Platinum Mastercard®?

This card can be used anywhere MasterCard credit cards are accepted, which is pretty much anywhere that accepts credit cards. There is a similar card that can only be used at T.J.Maxx, Marshalls, HomeGoods, and Sierra Trading Post called the TJX Rewards Credit Card.

To see how these two cards compare, check out our Review of the TJX Rewards Credit Card and the TJX Rewards Platinum MasterCard.

Card Quick Facts

Card Quick Facts

  • Earn 5 points for every $1 spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • Earn 1 point for every $1 spent on all purchases
  • 10% off your first purchase in-store
  • Be the first to hear when fresh finds arrive through your email
  • There is no limit to the amount of rewards you can earn
  • $10 rewards certificate: redeem 1,000 points for a $10 rewards certificate
  • No annual or foreign transaction fees

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5X points per dollar spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • 1X point per dollar spent on all purchases
How to Redeem

Introductory Bonus

  • 10% off the first in-store purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 29.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $35
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 29.99%
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Special Shopping Hours

    Get invited to exclusive shopping events for cardholders.

  • Cash Access at ATMs

    Get cash advances at ATMs where Mastercard is accepted.

  • 10% Off

    Get 10% off your first in-store purchase within 30 days after opening your account.

  • This Card Comes w/ Mastercard Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • 0% Fraud Liability

    You will not be held responsible for unauthorized purchases made on this card.

  • Identity Theft Resolution

    Get help if your identity is stolen.

  • Extended Warranty

    You can get up to one extra year added to the original manufacturer’s warranty for items purchased with this card.

  • Purchase Protection

    Your eligible purchases are covered against damage and theft.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 13 reviews
by Sharabi
Bad credit!

This the worse credit card account i have ever dealt with. Although I never missed a payment and I was respectful to pay on time, they suddenly closed my account with out notifying me!!! When I called them they said” if you don’t use your card for 2 years it closes!!That’s not professional neither their customer service!I regret opening an account with them because it effected my credit card score. Don’t waste your time. Opening an account with them will lead you to a bad score at credit karma.

by D. Arsenault
Prepareing Tort Complaint against TJX, ET AL .

My "Review Title" says it all...TJX Rewards Platinum Master Card seems to employ some folks who enjoy being just nasty to me, with malice. They have intentionally, and systematically, trashed my FICO Score with bogus reporting, from a great 831 to a credit score of only 699. I see no end in sight unless the court causes them to "Cease and Desist" this gross customer activity which commenced only after I caught them cheating against the debits and credits of my account. All of my credit card accounts, including my TJX account, had a record of "Paid in Full" on or before the due dates. After I brought this to the attention of TJX, just look at how they handle a bonified dispute, NOT GOOD - RED FLAGS ARE UP!

by Morgan K
DO not reccomend

I've had this card for over 3 years now, and once I have it paid off, it is being cut. I applied for the card, got it and within the first year they dropped my limit once I had used 75% to make it appear as though I maxxed out the card. For someone with no prior credit history, but who had always made payments on time, this still dropped my credit score. I wish I had never got this stupid card because it really is such a waste. My other store card has proved to be a great experience and I've never had any issues.

by Tesha Hollis
So fucking mad

I call customer service Spoker Reuben ID number 4606 He was so unprofessional and rude I told these people that they took payment out of my account twice left my account overdraft they told me I cannot get my money on till 2 months I explain to these people what had happen and they refused to help me customer service is the worst ever you guys suck I give them a 0 star

by Nicole

If I could give this card no stars, I would. I have had multiple cards from other retail stores and have had great experiences. Wish I had looked up reviews before I got this card. Canceled it within months. Do not get this card. Seriously. Not worth the hassle and terrible customer service.

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