TJX Credit Cards Review 2022 Review

TJX Stores Accepting TJX Credit Cards

TJX Stores Accepting TJX Credit Cards

Operating numerous brands in the market, TJX is considered one of the most significant apparel and home fashion retailers in the US and worldwide. These include the TJ Maxx/TK Maxx, Marshalls, HomeGoods, HomeSense, Sierra, and Winners that make up the retailer’s 4,500+ stores in 9 countries on 3 continents. And because of the broad reach of the stores, TJX placed 97th in the 2021 Fortune 500 list of the largest United States corporations by total revenue. With this, you can imagine the large number of its daily customers patronizing its products, and you’re probably one of them. And if you are looking for a way to get better deals whenever shopping at one of the stores mentioned above, you might want to consider TJX credit cards.

Intro Bonus: 10% Off in First Purchase

Regular APR: 26.99% (Variable)

Credit Score: Fair to Good

Annual Fee: $0


  • The points do not expire, but the Rewards Certificates can only last for two years.
  • The TJX Rewards Platinum Mastercard card version has a $0 foreign transaction fee.
  • The points are convertible to Rewards Certificate in $10 and $20 increments.
  • Using the cards to TJX stores will help you earn 5 points for each $1 spent.
  • The regular APR is higher than average and can be overwhelming when used for cash advances.
  • The cash advance transaction fee comes at either $10 or 4% of the amount of each cash advance, whichever is greater.

TJX Rewards Platinum Mastercard VS. TJX Rewards Credit Card

TJX Credit Cards

TJX Credit Cards: TJX Rewards Credit Card and TJX Rewards Platinum Mastercard

TJX offers the card in two forms: the TJX Rewards Platinum Mastercard and TJX Rewards Credit Card. Both cards are intended to benefit TJX loyalists by providing the maximum 5% back rate every time they are used in any TJX physical and online stores. They are also entitled to the same welcome bonus in the form of 10% off on the first purchase, free of annual fees, and invites to exclusive shopping events. However, unlike the closed-loop TJX Rewards Credit Card that can only be used in TJX stores, the TJX Rewards Platinum Mastercard can purchase products from other merchants accepting Mastercard. TJX Rewards Platinum Mastercard also allows cash advances and has a $0 foreign transaction fee. Furthermore, it can earn points even for products outside the TJX umbrella, making it a more versatile card than its standard retail store credit card version. 


As said before, the two TJX credit cards can earn points at TJX stores. These include T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores in the United States and Puerto Rico.

The cards will earn 5 points for each $1 spent, whether they are used in-store or online. However, since the Platinum Mastercard version also works with other non-TJX stores, it can earn 1 point for every dollar spent.

TJX Rewards Certificates

TJX Rewards Certificates are available in $10 and $20 increments.

The points of TJX credit cards can be redeemed in the form of Rewards Certificates that come in $10 and $20 increments. To get them, you need to earn 1,000 points for $10 and 2,000 points for the $20 Rewards Certificate. Since each point is worth $.01 or one cent, it means you need to spend at least $200 at TJX stores that implement a 5% back rate.

The digital Rewards Certificates are available within 48 hours of earning them via the TJX branded apps, TJX eCommerce sites, or You can also enroll in electronic statements to get the Rewards Certificate delivered to your email after 4 days of earning. 

The certificates can only be used on your purchases at the physical and online TJX stores, such as the T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores in the United States and Puerto Rico. Moreover, they are not valid for gift cards, gift certificates, e-gift cards and are not transferable for cash or credit.

Are TJX credit cards worth it?

If you are a dedicated shopper at TJX stores, you might find these cards a valuable shopping tool. You’ll receive a 10% off welcome bonus for your first purchase using the cards, but its value depends on the amount of your spending. That means if you want to maximize it, you need to use the card initially for a bulk purchase. This could save you up to $100 for a $1,000 purchase, $200 for a $2,000 purchase, and so on. This intro bonus might not look the best for some, but the back rate of both cards seems decent. However, both cards lack redeeming options for the points: they can only be used as Rewards Certificates that will expire after two years. If you are searching for a credit card with more versatile rewards programs, choosing regular cards will benefit you more. They would require a higher credit score, but the card points will let you enjoy a great variety of redeeming options from cashback to travel and more. Some of them even come with appealing bonuses. For instance, Chase Freedom Flex will provide a $200 bonus just after spending $500 within the first three months of opening the account, while the Old Navy Credit Card has a higher welcome bonus rate at 20% off.

On the other hand, the regular variable APR for purchases of TJX credit cards is rather steep at 26.99%. Yet, the APR for cash advances of the Platinum MasterCard version can be more overwhelming as it comes at a whopping 29.99% rate. So if you plan to use it for such a purpose, you better be sure to pay the entire balance of the card before the due date each month. Improper use of this card with such a hefty APR can lead to debts and chaos in your credit scores.

Lastly, the TJX Rewards Platinum Mastercard has a minimal set of capabilities. It lacks the standard features now available in most credit cards, such as zero liability protection, ID theft protection, and global services.

With all that, are these TJX credit cards worth it? You know the answer if you are a loyal TJX lover. The discounts you can get from the Rewards Certificates can help you save a lot, especially if you are buying in bulk. The TJX Rewards Platinum Mastercard isn’t so flexible in terms of earning points outside the TJX stores, but you can always opt for other options out there.