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Review

Review of the TJX Rewards Credit Card and the TJX Rewards Platinum Mastercard

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Brendan Harkness By Brendan Harkness Jan 12, 2015 | Updated Mar 27, 2020
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 29.24% Variable
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 29.24% Variable

TJX Rewards® Credit Card

Our rating
Fair Min. credit level
Apply Now Apply Now

T.J.Maxx offers two credit cards for consumers, the TJX Rewards Credit Card and the TJX Rewards Platinum Mastercard.

The first can only be used at T.J.Maxx and some affiliated stores, while the second can be used anywhere Mastercard is accepted.

Each card will earn you rewards for purchases and provide special shopping benefits, but, like most store cards, they have a very high APR that you’ll want to avoid.

TJX Rewards® Credit Card

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR29.24% Variable
Apply Now

securely on the issuer's website

  • Earn 5% back in rewards for every dollar spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • There is no limit to the amount of rewards you can earn
  • 10% off your first card purchase in-store
  • $10 rewards certificate: redeem 1,000 points for a $10 rewards certificate
  • No annual fee

TJX Rewards® Platinum Mastercard®

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR29.24% Variable
Apply Now

securely on the issuer's website

  • Earn 5X points per dollar spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • Earn 1X point per dollar 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

The Rewards

TJX Rewards Credit Card

The basic T.J.Maxx credit card provides 5 points for every dollar spent at:

  • T.J.Maxx
  • Marshalls
  • HomeGoods
  • Sierra Trading Post

There is no limit to the number of points that can be earned, and every 1,000 points will earn a $10 reward certificate, meaning that the card provides a 5% discount as long as you spend the certificate.

TJX Rewards Platinum MasterCard

This card provides the same 5 point reward described above, as well as 1 point for every dollar spent elsewhere.

Looking to get rewarded for the purchases you make everywhere? Take a look at how general rewards credit cards work.

The Benefits

TJX Rewards Credit Card

After opening an account, a 10% discount will be applied to the first in-store purchase.

Cardholders have exclusive access to special shopping hours, as well as “Surprise and Delight” benefits throughout the year.

TJX Rewards Platinum MasterCard

The Platinum MasterCard comes with the benefits mentioned above, as well as the following benefits from MasterCard.

Eligible purchases will be covered by Price Protection, which will provide reimbursement if you buy an item one day and find it being advertised for a lesser price later on. An Extended Warranty is also available for eligible purchases, which will double a manufacturer’s warranty by up to 1 year.

An Identity Theft Resolution service is available as well if the cardholder’s identity becomes compromised.

The Costs

Card Regular APR Cash Advance APR Foreign Transaction Fee
TJX Rewards® Credit Card 29.24% Variable Not Applicable Not Applicable
TJX Rewards® Platinum MasterCard® 29.24% Variable 29.99% None

The Fees

Card Late Fee
TJX Rewards® Credit Card Up to $35
TJX Rewards® Platinum MasterCard® Up to $35

The Bottom Line

These cards can help you save a decent amount of money (5%) at T.J.Maxx and the listed affiliates, and you’ll also receive a few nice shopping benefits.

However, the high APR’s of 26.99% make these cards a bit dangerous when it comes to revolving a balance. You’ll want to pay off your balance each month to avoid incurring the interest charge, which will quickly make that 5% discount seem quite worthless.

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