You may have applied for T.J. Maxx credit cards if you’re a fashionista with a limited budget or have lots of kids to shop for. There are two types of credit cards available: a Visa-free credit card that’s only available in-store and a Visa-free MasterCard® that can be used anywhere. Since none of these cards has an annual charge and offers practically free points, it’s understandable that you’d want to apply for either of them. In this article, we’ll take a look at Synchrony Bank’s TjX Rewards Platinum Credit Cards; compare their features, and their pros and cons to see which one is better. Also, we will discuss the alternatives in more detail below. Read on to know more…

TJX Rewards Platinum MasterCard: A Glimpse

Synchrony Bank is offering two credit card options for applicants seeking to join a credit card program with TJX Companies. The two cards offer the same rewards for purchases at the participating stores, such as T. J. Maxx and Marshall’s, as well as HomeGoods and Homesense, offering 5% back on purchases. Customers with lower credit scores are typically considered for the store-specific card, which is not linked to Visa or Mastercard networks.

Customers who qualify will the other card, known as the “TJX Rewards® Mastercard Platinum,” can use it at any location that accepts Mastercard. It offers general purchase protection from the cardholder. The Mastercard Platinum can also be used to receive additional discounts and rewards when shopping at participating stores. The participating stores are all part of the same parent company, the TJX Companies, and new cardholders will receive 10% off their first purchase when they apply and are approved. Another name for it is the TJX credit card. On this card, you can get points at both merchants and the Tjx family of stores.

About 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 which are:

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

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

Once a cardholder earns 1,000 or 2,000 points, they are automatically redeemed for a $10 or $20 reward certificate valid for use at T.J.Maxx and its sister stores,(in-store or online).

TJX Rewards Card

If one has fair credit they get qualified and there is only 1 application so one cannot pick one is selected. Between the two TJX Rewards Platinum cards and the TJX Rewards World card there are some similarities and differences:

  • No annual fee
  • All other penalties and fees are the same as with the Mastercards
  • One earns 5x points within the TJX family of stores
  •  The card doesn’t work outside of the TJX family of stores so points cannot be accumulated elsewhere
  • No cash advance opportunities

Additional Features of the TJX Rewards Credit Cards

TJX Rewards Platinum Card


  • No annual fee
  • Identity theft assistance
  • Fraud protection
  • Price protection (only valid on certain eligible purchases)
  • Extended warranty (only valid on certain eligible items)
  • Additional standard Mastercard benefits are also included.

TJX Rewards World Card 

As TJX thinks that card is intended for their most frequent customers and ardent supporters of their family of stores, cardholders are gradually upgraded to them. The limited number of cardholders who get this card will replace their TJX Rewards Platinum cards and enjoy the same credit conditions.

The TJX Rewards World card has the same benefits as the TJX Rewards Platinum card besides additional ones like:

  • 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

This card has some serious fees and drawbacks, so if you’re carrying a balance, you’re in for a fight. A quick online search for this card will bring up a ton of negative reviews, from people who say they never got their rewards certificates, to people who have had their credit scores drop, accounts suspended, credit limit increases delayed, and bad customer service. Plus, it’s not a real cash-back reward card, so you won’t get the money back on your statement.

Applying for the TJX Rewards Credit Cards

If you still believe a Tjx rewards credit card suits you, you may apply online or in-store at any Tjx shop.

  • Customers apply once and are automatically considered for the Tjx rewards platinum card. This card has significantly stricter qualifying standards, so if you are not eligible, you’ll be evaluated for the platinum card instead.
  • Some candidates will be accepted immediately. Others may be required to go through a credit review process, which may require between 7 to 10 days.
  • Applicants must be 18 or older.

Alternative Rewards Credit Cards (Our Recommendations)

TJX Rewards Platinum card has concerns, but there are better cash-back credit cards worth considering. American Express’s Blue Cash Everyday and Blue Cash Preferred Card are excellent options, as they can be used in many places, unlike store-branded cards.

Logging in and Managing Your Account Online

The T.J. Maxx Rewards Platinum card allows users to use it in multiple locations, unlike store-branded cards that limit usage to specific retailers. It offers features like monitoring activity, payments, alerts, paperless statements, and special offers. In-store rewards redemption and management can be done in real-time on the T.J. Maxx app.

Final Considerations

TJX Rewards credit card offers rewards at TJX stores, but it’s high fees and limited purchasing choices may limit its appeal. Regular shopping and timely payment may make it worth considering. However, negative reviews highlight the card’s risks and rewards. Other cash-back rewards cards, such as groceries, gasoline, and department stores, offer substantial returns