TJX Rewards Platinum Mastercard
By Alex Compton · Last verified
5% back across T.J. Maxx, Marshalls, HomeGoods, Sierra and Homesense.
Welcome Bonus
None
10% off your first purchase in store or online (excludes gift cards)
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
640+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmed10% off your first purchase in store or online (excludes gift cards) | T.J. Maxx TJX Rewards credit card page → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmed10% off first purchase | Archive record · no attached snapshot |
| 2024-01 | 0 | No recorded spend | Earliest record10% off first purchase | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
10% off first purchase, 5% at TJX stores, 2% gas, grocery and restaurants, no annual fee confirmed.
T.J. Maxx TJX Rewards credit card page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xTJX family storesT.J. Maxx, Marshalls, HomeGoods, Sierra, Homesense
- 2xGas, grocery stores and restaurants
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Rewards certificates spend at any TJX banner
- ✦Platinum Mastercard works anywhere, unlike the store-only TJX Rewards Credit Card sibling
- ✦2% gas, grocery and dining added real off-store earning
Why it earns its spot
- +5% across five popular off-price chains
- +2% everyday categories are decent for a store card
- +No annual fee
Where it costs you
- −Rewards come as store certificates, not cash
- −Synchrony shutdown-happy reputation applies
- −10% first-purchase coupon has fiddly online versus in-store rules
The Compound Verdict
TJX runs on treasure-hunt shoppers and this card pays them 5% to keep hunting. The certificates-only redemption is the usual catch, but at least they spend across five chains people actually visit. Average everywhere else despite the 2% categories.
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