Learn how the TJX Rewards® Platinum Mastercard® helps you earn 5 points per $1 at T.J.Maxx, Marshalls, and more. For frequent TJX shoppers looking for extra perks, the TJX Rewards® Platinum Mastercard® offers additional benefits beyond the standard store card. Issued by Synchrony Bank, this card provides more earning potential and greater shopping flexibility.
Earning Points with the TJX Rewards® Platinum Mastercard®
With this card, you can earn rewards not just at T.J.Maxx, Marshalls, HomeGoods, and other TJX stores, but also on purchases made anywhere Mastercard is accepted.
- Earn 5 points per $1 spent at T.J.Maxx, Marshalls, HomeGoods, and Sierra.
- Earn 1 point per $1 on all other purchases made with the card.
- Rewards certificates are automatically issued once you reach 1,000 points.
For example, Amy, a TJX Rewards Platinum Mastercard holder, shares: "I use my TJX Mastercard for groceries and gas, and I love seeing how quickly I rack up points. It’s an easy way to get free shopping money at T.J.Maxx."
TJX Rewards® Platinum Mastercard®
How to Apply and Prequalify Without Impacting Your Credit Score
Interested in upgrading to the TJX Rewards® Platinum Mastercard®? The application process is straightforward:
- Visit tjxrewards.com and click on “Apply for Credit”.
- Enter your personal details (name, address, income information).
- Complete the prequalification check, which does not impact your credit score.
- If approved, proceed with the full application, which may involve a credit check.
- Once approved, receive your temporary card number for immediate use.
Many applicants find the prequalification process useful, as it allows them to explore eligibility without affecting their credit score.
Does Applying for the TJX Rewards® Platinum Mastercard® Impact Your Credit Score?
While prequalifying does not impact your credit, submitting a full application may impact your credit score, as Synchrony Bank performs a hard inquiry. However, responsible card use - such as paying your bill on time and keeping balances low—can help maintain or improve your credit rating over time.
For those who frequently shop at T.J.Maxx and Marshalls, this card can be a valuable way to earn extra rewards while building credit.
Main difference between TJX Rewards® and TJX Rewards® Platinum Mastercard®
What’s the difference between TJX Rewards® Credit Card and TJX Rewards® Platinum Mastercard®?
The main difference lies in where you can use the card and how you earn points:
- TJX Rewards® Credit Card: Can only be used at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense. Earns 5 points per $1 spent at these stores.
- TJX Rewards® Platinum Mastercard®: Can be used anywhere Mastercard is accepted. Earns 5 points per $1 at TJX stores and 1 point per $1 on other purchases.
Both cards offer the same reward redemption options through TJX Rewards Certificates, but the Platinum Mastercard gives you more flexibility outside of TJX brands.
What’s the Difference Between TJX Rewards® Credit Card, Platinum Mastercard®, and Access Card?
- TJX Rewards® Credit Card: Store-only card. Can be used at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense. Earns 5 points per $1 at TJX stores.
- TJX Rewards® Platinum Mastercard®: Can be used anywhere Mastercard is accepted. Earns 5 points per $1 at TJX stores and 1 point per $1 on all other purchases.
- TJX Rewards® Access Card: Not a credit card. It’s a loyalty ID used for promotions and sweepstakes. Does not earn rewards or support payments.
In short: use the Credit Cards to earn and redeem rewards, and the Access Card for promotional offers only.
Pro Tip
If you use the TJX Rewards® Platinum Mastercard® for everyday spending—like groceries or gas—you’ll steadily earn rewards even outside TJX stores. Combine that with shopping only during clearance or seasonal sales at T.J.Maxx, and your rewards certificates can cover full purchases. It's a smart way to stretch your dollar while building credit.