TJX Rewards® Credit Card
MastercardIssued by Synchrony Bank
Earn 5% back at TJX family of stores, and up to 2% on gas and groceries with the Platinum Mastercard version.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
30.49% – 30.49%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
-
Enjoy 10% off your first in-store purchase.
TOP POINTS
5 Points per $1
Earn 5 points for each dollar spent at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores in the U.S. and Puerto Rico.
Key Benefits
- Earn 5% back in Rewards at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense
- No annual fee
- Access Rewards Certificates digitally within 48 hours of earning via app or website
- Exclusive shopping events and surprise and delight opportunities
- Cardmember-only free shipping offers
- Lucky 25 monthly sweepstakes entry for a chance to win a $100 Gift Card
Important Limitations
- Carrying a balance due to high APR
- Earning travel rewards or flexible cashback
Rewards Structure
TJX Family of Stores
5 Points per $1Annual limits
Unlimited (no annual cap)
Details
- T.J. Maxx
- Marshalls
- HomeGoods
Groceries
2 Points per $1Annual limits
Unlimited (no annual cap)
Details
Mastercard cardmembers earn 2 points for each dollar spent on grocery store purchases.
Gas
2 Points per $1Annual limits
Unlimited (no annual cap)
Details
Mastercard cardmembers earn 2 points for each dollar spent on gas purchases.
Dining
2 Points per $1Annual limits
Unlimited (no annual cap)
Details
Mastercard cardmembers earn 2 points for each dollar spent on dining purchases.
All
1 Point per $1Annual limits
Unlimited (no annual cap)
Details
Mastercard cardmembers earn 1 point for each dollar spent everywhere else Mastercard is accepted.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| TJX Family of Stores | 5 Points per $1 | Unlimited (no annual cap) | • T.J. Maxx • Marshalls • HomeGoods |
| Groceries | 2 Points per $1 | Unlimited (no annual cap) | Mastercard cardmembers earn 2 points for each dollar spent on grocery store purchases. |
| Gas | 2 Points per $1 | Unlimited (no annual cap) | Mastercard cardmembers earn 2 points for each dollar spent on gas purchases. |
| Dining | 2 Points per $1 | Unlimited (no annual cap) | Mastercard cardmembers earn 2 points for each dollar spent on dining purchases. |
| All | 1 Point per $1 | Unlimited (no annual cap) | Mastercard cardmembers earn 1 point for each dollar spent everywhere else Mastercard is accepted. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
30.49% – 30.49%
CASH ADVANCE APR
34.99% – 34.99%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$41
CASH ADVANCE FEE
$10 OR 4%
Card Protection & Benefits
Lucky 25 Monthly Sweepstakes
- ✓Get entered into a monthly sweepstakes for a chance to win a $100 Gift Card every time you shop the TJX family of stores with your card.
Cardmember Exclusive Events
- ✓Access to exclusive shopping events where you can be the first to shop.
Security Features
- ✓ID Theft Protection – Mastercard ID Theft Protection to monitor your identity.
Best Use Cases
IDEAL FOR
- Frequent shoppers at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense
- People looking to save on home decor and apparel
NOT RECOMMENDED FOR
- Carrying a balance due to high APR
- Earning travel rewards or flexible cashback
Maximize Your Rewards Strategy
0
Earn More Points
- 5 Points per $1 on TJX Family of Stores
- 2 Points per $1 on Groceries
- 2 Points per $1 on Gas
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-877-890-3150
Terms subject to change · View full terms
Last updated: Feb 25, 2026
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