If you’re like us and love finding great deals at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense, then the TJX Rewards Program is something you don’t want to miss. We’ve been using it for years, and it’s an easy way to earn rewards just by shopping where we already do. Whether you have the TJX Rewards® Credit Card or the TJX Rewards® Platinum Mastercard®, you can turn your purchases into rewards that help you save even more. Let’s break down exactly how this works, how you can redeem your TJX Rewards Certificates, and where you can use your card for maximum benefits.
How Does the TJX Rewards Program Work?
Think of the TJX Rewards Program as a cashback system, but instead of cash, you earn TJX Rewards Certificates that can be used at participating stores.
- You earn 5 points per dollar spent at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense.
- Every 1,000 points = a $10 TJX Rewards Certificate.
- You can redeem rewards in-store or online.
TJX Rewards at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense
Real Savings Example
Let’s say you shop at T.J.Maxx and spend $200 per month. That’s 1,000 points right there - enough for a $10 TJX Rewards Certificate every single month! If you consistently use your TJX Rewards Credit Card, that’s an easy $120 in free shopping every year.
For those of us who love home decor, imagine spending $1,000 on furniture and decor at HomeGoods - you’d earn 5,000 points, which is $50 in rewards certificates to use on your next trip!
Can You Use TJX Rewards Online?
Yes! We love shopping online when we don’t have time to browse in-store, and thankfully, you can use TJX Rewards Certificates at T.J.Maxx.com, Marshalls.com, and HomeGoods.com. Here’s how:
- Add items to your cart and go to checkout.
- Select “Apply Rewards” in the payment section.
- Enter your TJX Rewards Certificate code.
- Complete your purchase and enjoy your savings!
A tip from experience: You can stack multiple rewards certificates, so if you’ve got a few saved up, you can get an even bigger discount.
Where Can You Use Your TJX Rewards Card?
This is where it gets interesting. Not all TJX Rewards Cards work everywhere. Here’s the difference:
- TJX Rewards® Credit Card – Can only be used at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense.
- TJX Rewards® Platinum Mastercard® – Can be used anywhere Mastercard is accepted, including gas stations, grocery stores, and online retailers.
Which Card Is Best for You?
If you do most of your shopping at TJX stores, the standard TJX Rewards Credit Card works fine. But if you want to earn points everywhere, the Platinum Mastercard is a better choice.
For example, let’s say you spend $500 per month at grocery stores and gas stations using your TJX Rewards Platinum Mastercard. That’s an extra 500 points per month, which adds up to 6,000 points per year—or $60 in TJX Rewards Certificates, just for buying essentials!
How to Redeem TJX Rewards Points?
Your TJX Rewards Points are automatically converted into TJX Rewards Certificates once you reach 1,000 points. To redeem TJX Rewards:
- Check your balance by logging into your TJX Rewards account.
- If your earned rewards certificates are available, they will appear under your account.
- Use them in-store by presenting a printed or digital certificate at checkout.
- Use them online at checkout by entering the rewards certificate code.
Do TJX Rewards Certificates Expire? Yes, TJX Rewards Certificates expire two years after they are issued, so don’t forget to use them!
How to Pay Your TJX Rewards Card Online?
We always recommend paying your TJX Rewards Credit Card bill online to avoid late fees. Here’s how:
- Log in to your TJX Rewards account at tjxrewards.com.
- Click on “Make a Payment” under the billing section.
- Choose your payment method (bank account or debit card).
- Enter the payment amount and confirm your transaction.
A great hack? Set up AutoPay so you never miss a payment!
How to Activate Your TJX Rewards Card?
Activating your TJX Rewards Credit Card is simple:
- Go to tjxrewards.com/activate.
- Enter your card number, billing ZIP code, and personal information.
- Follow the on-screen prompts to complete activation.
- Once activated, link your card to your TJX Rewards account.
How to Cancel Your TJX Rewards Credit Card?
If you decide the TJX Rewards Credit Card isn’t for you, you can cancel it by calling Synchrony Bank at 1-800-952-6133. Just keep in mind that canceling a credit card may impact your credit score, so make sure it's the right decision for you.
How to Cancel a TJX Rewards Certificate?
Once a TJX Rewards Certificate is issued, it cannot be canceled or refunded—so be sure to use it wisely!
Final Tips for Maximizing TJX Rewards
- Use the TJX Rewards Mastercard for everyday purchases to earn points faster.
- Check your TJX Rewards balance regularly to avoid expired certificates.
- Stack multiple TJX Rewards Certificates for even bigger discounts.
- Set up AutoPay so you never miss a payment.
- Shop strategically - if you know a big sale is coming, hold onto your rewards certificates for extra savings.
At the end of the day, the TJX Rewards Program is one of the best ways to save money while shopping. We love the fact that we’re earning rewards on purchases we’d make anyway, and it’s always satisfying to see a checkout total drop when we redeem our certificates. If you’re a frequent T.J.Maxx, Marshalls, or HomeGoods shopper, getting a TJX Rewards Card is a no-brainer!