Credit Cards » Credit Card Reviews » TJX Rewards Platinum Mastercard Review (2024)
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TJX Rewards Platinum Mastercard Review (2024)

The TJX Rewards Mastercard offers a decent rewards rate and extra benefits, but it is best only for frequent shoppers of T.J. Maxx group
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

TJX Rewards Platinum Mastercard

TJX Rewards Platinum Mastercard

Rewards Plan

1x-5x 5x back on purchases within the T.J Maxx group including Marshalls, Homesense and HomeGoods. 1x cash back on all other purchases

Welcome Bonus

10% off your first purchase 10% off your first purchase at T.J Maxx using the card

Credit Rating

Fair – Good

0% Intro

N/A

Annual Fee

$0

APR

32.24% variable
TJX Rewards Platinum Mastercard

TJX Rewards Platinum Mastercard

Rewards Plan

1x-5x 5x back on purchases within the T.J Maxx group including Marshalls, Homesense and HomeGoods. 1x cash back on all other purchases

Welcome Bonus

10% off your first purchase 10% off your first purchase at T.J Maxx using the card

0% Intro

N/A

PROS

CONS

APR

32.24% variable

Annual Fee

$0

Balance Transfer Fee

N/A

Credit Requirements

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.

TJX Rewards Platinum Mastercard

Spend Per Category
TJX Rewards Platinum Mastercard
$10,000 – U.S Supermarkets
$100
$3,000 – Restaurants
$30
$5,000 – Airline
$50
$4,000 – T.J Maxx group
$200
$4,000 – Gas
$40
Estimated Annual Cash Back
$420

Pros and Cons

Just like any other credit card, the T.J Maxx credit card has some advantages and disadvantages:

Pros
Cons
Store Rewards
No Cash Options
Private Shopping Events
No Replacement Certificates
Zero Liability Protection
Limited Benefits
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.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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:

Card
Rewards
Bonus
Annual Fee

Apple card

1% – 3% 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
N/A N/A
$0

macy amex card

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
25% discount 25% discount on Macy's on the day you are approved and the following day, up to $100
$0

sears credit card

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
None
$0

target red card

1% – 5% 5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
None None
$0

Citi-costco-anywhere-visa-credit-card review

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
None
$0 ($60 Costco membership fee required) $60 Costco membership fee required

amazon prime visa

1-5% 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
$100 $100
$0 ($139 Amazon Prime subscription required) $139 Amazon Prime subscription required

Capital One® Walmart Rewards® Card

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
$95

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.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

FAQs

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.

Compare T.J.Maxx Rewards Platinum Mastercard

T.J.Maxx is our winner as it offers better cashback rates on its stores than Nordstrom, but Nordstrom wins when it comes to shopping benefits.

T.J.Maxx Rewards Platinum Mastercard vs Nordstrom Credit Card

Both credit cards offer similar cash-back rewards ratios, but the extra perks of the Banana Republic card are better than T.J.Maxx.

T.J.Maxx Rewards Platinum Mastercard vs Banana Republic Credit Card

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Search
Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.