TJX Rewards® Platinum MasterCard®

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.

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  • 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
  • Signup Bonus 10% off the first in-store purchase
  • Chip Technology Chip-and-PIN
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR 29.99%
  • Penalty APR -
  • Late Fee Up to $35
  • Returned Payment Fee -

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Special Shopping Hours
  • Unique Fashion Experiences
  • “Surprise and Delight” Benefits
  • Cash Access at ATMs


  • Fraud Protection: 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.


  • MasterRental Service: Provides an auto collision damage waiver for rental cars, as long as the car rental company’s insurance is declined.

Mastercard Benefits

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

Visitor Reviews

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

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Create your own review

Average rating:  
 6 reviews
by J Dibrell

I was out of town and missed one month payment. I ALWAYS PSY THE FULL BALANCE, so when I was informed that I missed one month and had to pay a $30 late fee by 18 Feb, I scheduled the full payment for 15 February. I have been called 4-5 times a day the last two weeks non stop. Absolutely ridiculous. My credit score is over 800 so how do they treat people with average credit?? DO NOT RECOMMEND

by trangluu
lost money from my bank account

i have been upset until now ,,they took my bank account last payment ,i still have sent my bill with interest also ,,my bank acount has gone money from them,,,what the hell they did the like and treat customer like that???......custormer service so bad they gave me wrong information ,,,i will dislike and cancel any way ,,,

by Jaimee

Had a horrible experience with this credit card. Received this card in June, made purchases with it for several months and never received any of my rewards. Even after multiple phone calls to the company, they couldn’t get them to me. Next step was to cancel the card. This request could not be completed correctly either. A charge happened two months later after “paid in full” and “cancelled my card”. Customer service rep was not friendly after the situation was explained. This card is NOT recommended!!

by Rhonda
worst customer service with card

I had been a TJMaxx credit card user for over 5 years. My bank account was hatched and the bank changed my account number. I had an automatic payment. Since it did not go through, they canceled my card and missed up my credit rating. I had never missed a payment or been late in 5 years. I paid my balance off in full each month. When I asked why they had no explanation just said I was no longer welcome to be a customer. Every time I go in they ask about the rewards card. They are an awful credit card company.

by Danielle

I used to shop and tjmaxx, marshalls and homeboys ALL THE TIME. I had the tjmaxx credit card for well over a year, never missed a single payment. Until one day, I made my payment but accidentally linked it to the wrong saved payment method, so I was two days late. I paid two days later as soon as I realized my mistake. Shortly afterward my card was canceled and I tried to talk to them to resolve it and get my card back to no avail. I will not be shopping or recommending this company ever again. I am very disappointed it has come to this.

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