Synchrony Bank considers applicants for a TJX credit card for two different cards. TJX Companies retailers, such as T.J. Maxx, Marshalls, Sierra, HomeGoods, and Homesense, provide the same benefits to customers using both cards. Shopping at these stores will net cardholders a 5% rebate.
Customers may only apply the TJX Rewards Platinum MasterCard with worse credit scores as a store-only card. T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense accept this card as payment. Visa, MasterCard, and other widely recognized payment networks are not affiliated with it.
TJX Rewards Platinum Mastercard may be used everywhere Mastercard is accepted. Customers who qualify will get this card. One percent of all purchases made by the cardholder will also be rewarded with points. Additionally, Mastercard provides standard purchase protection with this card.
1. You Can Earn Rewards
T.J.Maxx, Marshalls, Sierra, HomeGoods, and Homesense shops in the U.S. will give you a 5% rebate on any purchases made via this program. A 1% bonus is also offered on all other purchases made with the TJX Rewards Platinum Mastercard, including those made at TJX locations outside of the United States and Puerto Rico.
TJX shops get 5 points for every dollar spent, while all other merchants earn 1 point for every dollar spent. You’ll get a $10 reward card after you rack up 1,000 points.Suppose you’ve signed up for electronic statements in your monthly report. In that case, you’ll get a certificate that you may print or save to your computer.
2. TJX Rewards Platinum Master Card has Several Benefits
The following Mastercard advantages are available with the TJX Rewards Platinum Mastercard.
- A charge on your card that isn’t approved isn’t your responsibility.
- Emergency services are available around the clock, in any language and location. A lost or stolen card may be reported, an urgent card replacement/cash advance can be requested, and queries about your account can be answered.
- You get a service that checks your credit report for signs of fraud, informs you if there are any changes, and assigns an expert to help you resolve the issue.
- Buy apparel, accessories, home décor, or other products regularly. On purchases made at TJX shops, including T.J. Maxx, Macy’s, and HomeGoods, the TJX Rewards Platinum Mastercard gives back 5%. You might save a lot of money if you get 5% back.
- A rebate with your first purchase is more prevalent than a standard initial bonus offer with retail shop rewards cards. With this card, new cardholders will get 10% out of their first in-store or online shopping at TJX shops.
- The TJX Points Platinum Mastercard is a Mastercard. You may earn rewards on nearly every transaction you make anywhere globally.
3. Loyalty Points Gives You Dollars
TJMaxx, Sierra, Marshalls, Home Goods, and Home Sense are the five TJX stores where you may earn 5x points every dollar. You’ll get $10 back for every $200 you spend at TJX stores, a 5% cashback rate.
You can earn 1x points every dollar for purchases beyond those shops, which equals 1% cashback. Each time a cardholder reaches 1,000 points, the company will immediately send the cardholder an automatic $10 voucher.
In-store and online redemption is permitted. However, certificates cannot be redeemed for cash or used to purchase any other kind of gift card, including those from third parties.
4. No Additional Charges
There is no yearly charge for TJX Rewards cards.Make a significant purchase before you create your account to get the most out of your TJX credit card sign-up bonus.
It’s free to use your card abroad with the TJX Rewards Platinum or World Mastercard since there aren’t any foreign transaction fees.
Possessing a TJX Rewards Card entitles you to unique discounts, such as invitations to private shopping parties. You have the option to get exclusive offers through email when you register for the TJX card.
5. Chase 5/24 Rule
The TJX Rewards Card counts against the Chase 5/24 Rule, one of the most significant drawbacks of getting one. After 24 months, when you have opened five or more personal credit cards, your application will be rejected by Chase.
Although Synchrony is the issuer of the TJX Rewards card, that Chase 5/24 Rule still applies since you may be trading up a more attractive credit card for the TJX card.
For example, Chase Freedom Unlimited and Chase Freedom Flex provide no-annual-fee bonuses of $200. With a $95 annual fee, Chase Sapphire Preferred offers $1,000+ in value.
The TJX Rewards card, on the other hand, requires a purchase of more than $2,000 to equal the sign-up incentive of the Freedom Flex credit cards. $200 equates to 10% of $2,000
6. Special Offer & High APR
Owning a TJX Rewards Card entitles you to unique discounts, such as invitations to private shopping parties. TJX Rewards credit cards carry a high annual percentage rate (APR) of 26.99 percent if you don’t pay your balance in full each month. You have the option to get exclusive offers through email when you sign up for the TJX card.
Logging into your MyCreditCard.com account and making a payment on your TJX Rewards credit card statement is simple and convenient.
If you prefer electronic statements, you may do so by signing up.The “Make Payment” button may be found on your online account’s “Summary” page after logging in. After that, you’ll be able to verify your payment details and submit your money.
Final Verdict
Suppose you often spend at TJX shops and want to earn points on purchases made elsewhere. In that case, the TJX Rewards Platinum Mastercard could be a good option for you. It’s also worth noting that the 5% back returns rate on TJX purchases is better than many cashback cards can provide. No annual fee means you don’t have to fear the worth of your rewards being diminished by that. According to CEO of MbankOnline, Tj Maxx Credit Card is one of the best Store Reward Credit Card.
TJX’s mobile app and website allow you to keep tabs on your account activities. Your financial information is further safeguarded with the TJX Rewards Platinum Mastercard chip security. It doesn’t apply to the TJX Rewards MasterCard.
TJX rewards may only be redeemed in TJX shops. Thus this card restricts your options when it comes to saving your points. A standard cashback card is a better option if you want additional options for redeeming your benefits.
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