TJX Rewards Platinum Mastercard
By Alex Compton · Last verified
5% back across T.J. Maxx, Marshalls, HomeGoods, Sierra and Homesense.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xTJX family storesT.J. Maxx, Marshalls, HomeGoods, Sierra, Homesense
- 2xGas, grocery stores and restaurants
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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