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TJX Rewards Platinum Mastercard Review – Is It Worth It?

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Erin Miller
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Erin Miller

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An experienced points hacker, Erin is Alex’s partner-in-crime and contributes to Upgraded Points with in-depth guides and relationship management. Erin’s work has been cited in multiple major publicat...
Edited by: Kellie Jez
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Kellie Jez

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It’s not surprising that so many retailers market their own branded credit cards — after all, with high APRs and low minimum payment options, a store card offers the company an opportunity to cash in on some serious fees and penalties.

Given the potential downsides, why do people apply for these cards? Usually, it’s the lure of receiving discounts at a store where they enjoy shopping often. So can these cards ever work in your favor? The answer is yes, sometimes… but usually only if you’re a responsible cardholder.

Since some cards have better perks than others, let’s review the TJX Rewards credit cards from Synchrony Bank and see where they stand.

The TJX Rewards Credit Cards at a Glance

SCROLL FOR MORE
TJX Rewards® Platinum Mastercard and TJX Rewards® World Mastercard® TJX Rewards® Credit Card
Main Benefits
  • 5 points per $1 spent at TJX family of stores
  • 1 point per $1 spent everywhere else Mastercard is accepted
  • 1,000 points = $10 reward certificate
  • 5 points per $1 spent at TJX family of stores
  • 1,000 points = $10 reward certificate
Annual Fee$0$0
APR26.99% (variable)26.99% (variable)
Late Fees and Penalties $35$35

There are a few things you should know right off the bat about the TJX Rewards Platinum card.

  1. WHOA, that’s a hefty APR! This could mean big trouble for those carrying a balance on their card.
  2. There are a TON of horrible consumer reviews (on multiple sites) about these particular cards. That’s a red flag in our book!
  3. We’re primarily reviewing the TJX Rewards Platinum card here, which some people often refer to as the “T.J.Maxx Credit Card.” It can actually be used to earn points across the TJX family of stores and at other retailers.
  4. There may be instances where applicants do not qualify for the TJX Rewards Platinum card. These applicants are then automatically considered for the TJX Rewards card.

TJX Rewards Credit Cards Benefits
Image Credit: The TJX Companies, Inc.

TJX Rewards Platinum Card and TJX Rewards World Card

Cardholders earn 5 points per $1 spent on the card at the TJX family of stores. These stores include:

  • T.J.Maxx and tjmaxx.com
  • Marshalls
  • HomeGoods
  • Homesense
  • Sierra Trading Post and sierratradingpost.com

Cardholders also earn 1 point per $1 everywhere else Mastercard is accepted.

Once a cardholder earns 1,000 or 2,000 points (depending on your preference), these points are automatically redeemed for a $10 or $20 reward certificate. The reward certificate is only valid for use at T.J.Maxx and its sister stores (see above), either in-store or online.

Hot Tip: Depending on the promotions at the time of application, new cardholders may qualify for a 10% off coupon on their first online or in-store purchase.

TJX Rewards Card

You don’t get to necessarily pick this card, as there is only 1 application. You will generally qualify for this card if you have fair credit. There are some similarities and some differences to the TJX Rewards Platinum card and TJX Rewards World card:

  • No annual fee
  • All other penalties and fees are also the same as with the Mastercards
  • You still earn 5x points within the TJX family of stores
  • You DO NOT earn points elsewhere, as the card won’t work outside of the TJX family of stores
  • No cash advance opportunities

Additional Features of the TJX Rewards Credit Cards

TJX Rewards Platinum Card

The TJX Rewards Platinum card also comes with the following benefits:

  • No annual fee
  • Fraud protection
  • Identity theft assistance
  • Price protection (eligible purchases)
  • Extended warranty (eligible items)
  • Additional standard Mastercard benefits

TJX Rewards World Card 

There are no specific guidelines noted on how to obtain this card, but it seems that you may be upgraded to this card over time as TJX notes that the card “is reserved for our top shoppers and biggest fans of our family of stores.” If you are one of the select group of cardholders that receives this card, it will replace your TJX Rewards Platinum card and have the same credit terms.

The TJX Rewards World card also comes with the same benefits as the TJX Rewards Platinum card, plus the following additional benefits:

  • Personal travel advisor
  • 10% off One Fine Stay luxury home-sharing
  • Air, cruise, and car programs
  • Priceless Cities “skip the line”
  • Exclusive Priceless Cities surprises
  • Exclusive golf privileges
  • Preferred restaurant access
  • Complimentary cell phone insurance
  • Contactless payment technology

Fees and Drawbacks of the TJX Rewards Credit Cards

When it comes to fees and drawbacks of this card, they’re pretty hefty. Remember, with these high percentages and fees, things can get ugly fast for cardholders carrying a balance.

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TJX Rewards Platinum Card and TJX Rewards World Card Fees
APR26.99%
Cash Advance APR29.99%
Cash Advance Transaction Fee$10 or 4% of each cash advance amount (whichever is greater)
Late Fee$35
Foreign Transaction FeeNone

If those fees aren’t enough to scare you off, a quick online search will return tons of poor reviews for these cards.

From individuals who state they never received their rewards certificates to issues with dropped credit scores, suspended accounts, delayed credit limit increases, and reports of horrible customer service… these really don’t seem like the best card options on the market.

Lastly, let’s be clear — these are not true cash-back rewards cards. Cardholders can only use their reward certificates at the TJX family of stores. This is in contrast to true cash-back rewards cards that return the money to you on your statement so that you can use it however you wish.

Applying for the TJX Rewards Credit Cards

If you still feel a TJX Rewards credit card is right for you, you can apply online here or in-store. As mentioned previously, there are technically 3 cards you can get via TJX: the TJX Rewards Platinum card, the TJX Rewards World card, and the TJX Rewards card.

Shoppers submit 1 application and are initially considered for the TJX Rewards Platinum card since this card has slightly higher qualification criteria. If the applicant does not qualify, they are then automatically considered for the TJX Rewards card.

Bottom Line: You cannot apply directly for the TJX Rewards World card. Only existing TJX Rewards Platinum cardholders may be upgraded over time, but specific requirements are not noted on the TJX website.

Upon credit review, some applicants will be approved instantly (there are other cards where you get instantly approved, too). However, some applications may need further review, resulting in a 7 to 10 day waiting period. Additionally, applicants should note that the age requirement is 18+ years old to apply.

The current sign-up bonus for TJX cardholders is 10% off their first in-store or online purchase (of course, restrictions apply).

Alternative Rewards Credit Cards (Our Recommendations)

It’s fairly clear that the TJX Rewards Platinum card comes with some serious concerns. So are there better cash-back credit cards that are worth a look? Absolutely.

Plus, most of these cards can be used in many places, as opposed to a store-branded card that locks you into a couple of particular retailers.

There are lots of excellent options, but here are just a few examples:

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros
  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Cons
    • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
Financial Snapshot
  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros
  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
Cons
    • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.
Financial Snapshot
  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

Redeem cash-back through your American Express account

Logging in and Managing Your Account Online

TJX Rewards app
Image Credit: The TJX Companies, Inc.

If you are a TJX Rewards cardholder, you can sign up and log in online to manage your account.

Here are a few options you have within the platform:

  • Monitor account activity
  • Make payments
  • Set up account alerts
  • Sign up for paperless statements
  • Learn about special offers

You can also manage your account on-the-go and redeem your rewards in-store on the T.J.Maxx app (iOS, Android).

Final Thoughts

We have a tough time recommending the TJX Rewards credit cards from Synchrony Bank for many reasons.

Yes, the perks seem pretty decent, but cardholders can only earn max benefits and use the rewards certificates at TJX stores, which severely limits your purchasing options.

Furthermore (and probably most importantly), the fees on this card are absurd. If you aren’t sure whether you can pay off your card in full every month, this could put you in some serious debt — and fast.

That being said, if you’re a responsible cardholder who fully pays off your card on time every month and you regularly shop at the TJX family of stores, then you could certainly benefit from the TJX Rewards credit cards. Just educate yourself on the risk vs. reward… with so many horrible reviews on these cards, they may be more hassle than they’re worth.

Lastly, there are several other quality cash-back rewards cards out there. Many of these cards have excellent reviews and can earn you some serious returns in big categories like groceries, gas, and even some department stores. Plus, they’re true cash-back cards, meaning you can use your earnings any way you want!

The information regarding the TJX Rewards® Platinum Mastercard, TJX Rewards® World Mastercard®, and TJX Rewards® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.

Frequently Asked Questions

Can I use my TJX credit card anywhere?

That depends on which card you have, as TJX offers 3 different cards. The TJX Rewards Platinum card and TJX Rewards World card can be used anywhere Mastercard is accepted. The TJX Rewards card can only be used within the TJX Family. This includes T.J.Maxx, Marshalls, Home Goods, Homesense, Sierra Trading Post, and online at tjmaxx.com and sierratradingpost.com.

What bank does T.J.Maxx use for its credit cards?

Synchrony Bank issues both credit cards for T.J.Maxx/TJX.

Can I pay my TJX credit card in the store? 

No, you cannot pay your TJX credit card bill in-store. You can pay online, by phone, or by mail.

See the article above for links on how to pay your bill.

How do I cancel my T.J.Maxx/TJX credit card?

You can cancel your card by calling 877-890-3150 for the TJX Rewards Platinum card or 800-952-6133 for the TJX Rewards card.

Does T.J.Maxx have a loyalty or rewards program?

Yes, T.J. Maxx does have a rewards program, but only if you are a cardholder of one of the 3 credit cards that are offered. Cardholders earn 5 points per $1 spent on the card at the TJX family of stores and can redeem them for gift certificates to be spent in-store.

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About Erin Miller

An experienced points hacker, Erin is Alex’s partner-in-crime and contributes to Upgraded Points with in-depth guides and relationship management. Erin’s work has been cited in multiple major publications.

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