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 -
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:  
 8 reviews
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.

by J Dibrell
THE WORST

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
JW

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!!

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