TJX Rewards® Platinum MasterCard®


For People with
Fair Credit

REVIEWS

Reviews

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

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
  • There is no limit to the amount of rewards you can earn

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 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
  • There is no limit to the amount of rewards you can earn
  • $10 rewards certificate: redeem 1,000 points for a $10 rewards certificate
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 26.99% (Variable)
Intro Purchase APR -
Foreign Transaction Fee -
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%; Min:$10

Card Benefits

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

Visitor Reviews

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

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Average rating:  
 11 reviews
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
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.

by Mary Saunders Barton
Don't go near it

The absolute worst. Stay away from it. Horrendous customer service.

by Frank
HORROR

Awful card, high interest, poor customer service. Better to pass on the "points" than to incur charges and high interest rates. In today's world, there are dozens of cards that provide better reward benefits. These people have some nerve.

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