5x back on purchases within the T.J Maxx group including Marshalls, Homesense and HomeGoods. 1x cash back on all other purchases
Balance Transfer Fee
Fair - Good
If you’re completely brand loyal to the T.J Maxx group, you may be tempted to consider the co-branded credit card. However, this card has very few advantages and some serious downsides. While you can earn points towards rewards certificates to spend in store, there are very few other card benefits.
The only real perk outside of the rewards is access to exclusive shopping events. So, unless this is a large priority for you, you are likely to find that there are other credit cards on the market that represent better value.
The T.J Maxx credit card has a far higher than average APR and meager rewards on everyday purchases. Many other $0 annual fee cards offer more ongoing rewards, which you can then redeem for gift cards or cash that you can then spend in T.J Maxx stores. So, the exclusive shopping event access is the only thing you’ll miss out on.
- Store Rewards
- Private Shopping Events
- Zero Liability Protection
- Access to Global Services
- No Cash Options
- No Replacement Certificates
- Limited Benefits
- Very High APR
What are card income requirements?
There are no official income requirements for the card, but you do need to have fair to good credit. This means that while your income is considered, it is not the only factor when an approval decision is being made.
When it may not be a good idea?
The card is not a good idea if you tend to carry a balance or you’re interested in getting maximum rewards. Apart from the initial discount and access to exclusive shopping events, there are many other $0 annual fee cards that offer more generous rewards and benefits. So, unless you are highly brand loyal, in most scenarios, this card is not a good idea.
In this Review
Simulation: How Much Rewards You Can Earn?
Take a look at the table below to see how many points you can get by using the T.J Maxx credit card. The table shows an estimate of the points you could earn based on your usual spending in different categories.
Remember that this table is just an approximation, and the points you actually earn may be different due to your spending habits and other factors. However, it gives you a good idea of the potential advantages of this card.
Spend Per Category
TJX Rewards Platinum Mastercard
$10,000 – U.S Supermarkets
$3,000 – Restaurants
$5,000 – Airline
$4,000 – T.J Maxx group
$4,000 – Gas
Estimated Annual Cash Back
Pros and Cons
Just like any other credit card, the T.J Maxx credit card has some advantages and disadvantages:
No Cash Options
Private Shopping Events
No Replacement Certificates
Zero Liability Protection
Access to Global Services
Very High APR
Cardholders earn 5x back on purchases within the T.J Maxx group including Marshalls, Homesense and HomeGoods. 1x cash back on all other purchases.
As a cardholder, you can receive invitations to exclusive events for shopping both in store and online. This provides you with an opportunity to access merchandise before it is available to general customers. Depending on the specific event, there may also be prizes or treats up for grabs.
This is a fairly standard feature on most credit cards, but it is still nice to know that you will not be held responsible for any unauthorized or fraudulent charges that are made on your card account.
You can obtain emergency assistance at any time, in any language and from anywhere. Whether you need to report a stolen or lost card and need an emergency card replacement or simply need to find an ATM, you’ll find the team ready to answer any questions related to your account.
When you reach 1,000 points, you’ll receive a $10 certificate in the mail with your monthly statement. Unfortunately, you can only use these statements in store and there is no way to exchange them for cash.
While the certificates are inflexible, they are also irreplaceable. If your reward certificate is lost or stolen, it will not be replaced.
The card does have a couple of perks, but they are very limited. The main benefit is that you can access exclusive shopping events. If you are interested in a rewards card, you will often find a far more impressive suite of benefits offered.
Although it is common for store branded cards to carry a high rate, the T.J Maxx credit card has a very high rate that is far higher than the typical credit card rates.
Who May Consider The TJX Rewards Platinum?
The T:J Maxx credit card is designed for those who are highly brand loyal and tend to shop in store on a frequent basis. You should also be prepared to take advantage of the welcome bonus with a large order.
Since all of the rewards are heavily weighted towards the T.J Maxx group, you will need to shop there frequently to accumulate sufficient points to earn reward certificates regularly.
If you are looking for an alternative co-branded, store card – here are some options:
1% – 3% 3% cash back at Apple and select Apple pay partners, 2% on other Apple pay purchases, and 1% on all other purchases
2X – 5X spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else
20% discount 20% discount on Macy's on the day you are approved and the following day, up to $100
1% – 5% 5% back on Sears + 5% eligible gasoline purchases, 3% back on grocery stores and restaurants (limited to the first $10,000 of qualifying payments, then 1% thereafter), plus 2% back when used at eligible merchants such as Sears or Kmart, and 1% on all other purchases
5% 5% off at Target and selected deals
1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
$0 * $60 Costco membership fee required
1-5% 5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases
$0 $139 Amazon Prime subscription required
1-5% 5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
5% 5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
Tips for Using the TJX Rewards Platinum Mastercard
Although this card is very simple, there are a couple of tips that can help you to get the most value from it. These include:
Since you get 10% off your first order as a welcome bonus, you need to make this worth your while.
Fortunately, there is no maximum spend for this offer, so if you’ve applied for a new card, it is a great time to plan for your change of season wardrobe or those home items you’ve been waiting to purchase.
This is good advice for any credit card, but it is particularly applicable for the T.J Maxx credit card, since it has such a high APR. With the current national average credit card APR at about 20%, this card has a rate that is over 50% more.
Unfortunately, there is no option for pre approval, but T.J Maxx may periodically send out mailers or other promotional material offering pre approval for select customers.
Your reward points are accumulated and reward certificates are issued in $10 and $20 respectively with monthly statements. You’ll need 1,000 or 2,000 points respectively for the $10 or $20 certificates. Once you receive your reward certificate, you can then spend it in store or when you shop online within the T.J Maxx group.
While you do need to have fair to good credit to qualify for this card, there are no other requirements or stipulations. This means that provided that you have reasonable credit, you should have no great difficulty getting the T.J Maxx credit card.