TJX Rewards Platinum Mastercard Review – Is It Worth It?

TJX Rewards for TJMaxx

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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

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:

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.

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:

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!


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.

Erin Miller

About Erin Miller

Erin currently maintains her status as Alex's adventure-seeking partner-in-crime and contributes to Upgraded Points through in-depth content creation & relationship management.
She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. That was that - she's been gallivanting around the globe ever since (26 countries & counting)!

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

16 comments

  1. Jiqing Zhang August 25, 2018

    How can I pay my bill online for the TJX Rewards platinum mastercard?

    Reply

    • Hi Jiqing – you can use their online platform here: https://tjx.syf.com/eSecurity/Login/login.action?clientId=tjx&accountType=generic&langId=en.

      If you have not used this platform before you will need to click on the red “Register” button and complete the tasks in order to create an account and link your credit card. If you have already registered, you simply log-in with your username and password. I do not have a TJX Platinum Mastercard myself so I cannot say exactly what it will look like once you log-in, but there should be a clear option or tab for viewing your statement and making a payment. If you cannot find these options, we suggest calling the customer support number for the TJX Platinum Mastercard: 1-877-890-3150. Hope this helps!

      Reply

  2. Wanda vargas April 5, 2019

    How do you log-in to make a payment with ur debit card? On the phone, they only take payment from a checking acct.

    Reply

    • Hi Wanda, here is Synchrony Bank’s statement on forms of payment:

      “In addition to online payments (single, multiple and Autopay), we accept checks drawn on US financial institutions, money orders, Western Union, Walmart Bill Pay services or electronically submitted payments from your financial institution. Payments may also be made over the phone, but we will charge you a fee to make phone payments. Gift certificates and credit cards are not accepted as a form of payment.”

      Additionally, here is the information they offer on making an online payment:

      “How do I make a single, one-time online payment?

      You can make a same-day payment until 11:59 p.m. ET. Just follow these steps:

      Log in and then click on the Make Payment button
      – Select the payment amount, date and payment source
      – Click Submit Payment for Review
      – Review your payment and click Submit
      – Look for a confirmation email from Synchrony Bank”

      Reply

  3. Tarandeep May 10, 2019

    How can I check my rewards in my account. I have been using this card for a while now. I think I must have earned a lot reward points. Where exactly (the website link) I can see how many I have earned and how can I use it to buy something at Tjmaxx family stores. Please help. Thanks.

    Reply

  4. Hi so I just got the credit card but I didn’t want it I thought it was some rewards card like they used to have! I canceled the card but they put a payment on there that won’t show for 24 hours. I already cancelled it because I don’t want it! So how would I pay them for what I bought today? I just go back to the store or pay on the website even though I cancelled my card!

    Reply

  5. Celize Dossantos November 16, 2019

    How can I check to see if I am pre-qualified without affecting my credit score?

    Reply

  6. Contacting customer service by phone or protected email from online account is impossible. TJMax stores do not accept card statement payments. Other stores make easy for their credit card holders.

    Reply

  7. Robert same January 18, 2020

    I was approved for the card but I don’t want it anymore. How do I cancel it before the card physically arrives?

    Reply

    • Hi Robert,

      You can cancel your card by calling 1-877-890-3150 for the TJX Rewards® Platinum MasterCard or 1-800-952-6133 for the TJX Rewards® Credit Card.

      Reply

  8. I’m confused about the poor reviews for this card. I have another store card (JCPenney) that is issued by Synchrony, and I’ve had no issues with them. Pay online all the time, no problems. Not sure why it should be different for a different store?

    Reply

  9. I have 2634 points on my TJX rewards platinum master card, but there are no current active certificates. Could you explain it, please?

    Reply

    • Hi Tetiana,

      Since we do not represent TJX, I’m afraid I cannot give you an exact answer to that question. I recommend you contact their customer service line directly by calling 1-877-890-3150. Thanks for reading!

      Reply

Any thoughts or questions? Comment below!

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