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

Brendan Harkness

Brendan Harkness | Reviews

Jan 12, 2015 | Updated Sep 19, 2016

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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

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 26.99% (Variable)
Quick Card Facts
  • Earn 5 points for every $1 spent at T.J.Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • There is no limit to the amount of rewards you can earn
  • No annual fee

TJX Rewards® Platinum MasterCard®

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 26.99% (Variable)
Quick Card 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

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 26.99% (Variable) Not Applicable Not Applicable
TJX Rewards® Platinum MasterCard® 26.99% (Variable) 29.99%

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.

Was this helpful?
  • Dirty_Martini

    Well, I pay my TJX Master Card bill electronically via my checking account, so they get the money from me ASAP, and credit most small payments within 48 hours, but if I pay ANY amount over $150.00+, this card puts a 10-14 day hold on allowing that amount back onto your credit line. I paid my bill in full to a ZERO BALANCE 2 months ago, and it took two weeks before I could use the card again. I have asked twice why this is, and they said it was their policy.

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